VA Loan Calculator
Last updated: October 15, 2026
Estimate a VA-style monthly housing payment with an editable funding-fee assumption.
Estimated monthly payment
—
- Financed loan amount: —
- Principal & interest: —
- Monthly program fee: —
- Taxes & insurance: —
On this page
Quick summary: Estimate a VA-style monthly housing payment with an editable funding-fee assumption.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a VA-style monthly housing payment with an editable funding-fee assumption.
How to use it
Enter Home price ($); Down payment ($); Interest rate (%); Loan term; Funding fee rate (%); Annual fee rate (%); Annual property tax ($); Annual homeowners insurance ($). Select Calculate to update the results.
How the calculation works
Base principal = home price minus down payment. Add the entered funding-fee percentage on that base to financed principal, then calculate a fixed monthly payment. Add one-twelfth of annual property tax and insurance. The optional annual-fee field is an additional user-entered scenario charge and should be zero for the ordinary VA case.
Worked example: starting scenario
| Home price ($) | 350000 |
|---|---|
| Down payment ($) | 12250 |
| Interest rate (%) | 6.5 |
| Loan term | 30 years |
| Funding fee rate (%) | 2.15 |
| Annual fee rate (%) | 0 |
| Annual property tax ($) | 4200 |
| Annual homeowners insurance ($) | 1800 |
| Estimated monthly payment | $2,680.71 |
|---|---|
| Financed loan amount | $345,011.63 |
| Principal & interest | $2,180.71 |
| Monthly program fee | $0.00 |
| Taxes & insurance | $500.00 |
Important limitations
VA describes its funding fee as a one-time charge and does not require monthly mortgage insurance. This model always finances the entered funding fee and does not decide exemptions, first versus subsequent use, eligibility or the applicable fee rate. Closing costs and other lender charges are not included automatically.