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VA Loan Calculator
Estimate VA loan payments. The VA funding fee can be financed into the loan; some service members are exempt.
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Estimated total monthly
$3,107.63
Base loan
$400,000
VA funding fee
2.15%
$8,600
VA loan amount (financed)
$408,600
Total paid (P&I)
$929,747
30-year term
VA loans, backed by the U.S. Department of Veterans Affairs, often allow eligible service members and surviving spouses to buy with no down payment and without monthly mortgage insurance.
The VA funding fee helps sustain the program. It varies by down payment, first vs subsequent use, and is waived for many borrowers with a service-connected disability rating.
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Finance Choices calculators and simulators are for educational and informational purposes only. Results are estimates and may not reflect your actual loan terms, insurance premium, credit eligibility, interest rate, savings, repayment timeline, approval odds, or total cost. Finance Choices does not provide legal, tax, insurance, mortgage, or financial advice. Partner offers may vary based on credit profile, income, debt, location, property details, insurance history, lender criteria, underwriting guidelines, and other factors.