VA Mortgage Payment Calculator
Estimate your monthly payment with $0 down, no PMI, and today’s VA rates. See a full breakdown including taxes, insurance, and funding fee.
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This calculator estimates your total monthly VA loan payment based on the home price, interest rate, loan term, property taxes, homeowners insurance, and HOA fees you enter. It includes the VA funding fee (which most Veterans pay unless exempt due to a service-connected disability) and shows whether rolling it into the loan or paying upfront changes your payment.
Property taxes vary by state and county. The default 1.1% is the national average, but yours could be higher (Texas ~1.8%) or lower (Hawaii ~0.3%). Check your county assessor’s website for the exact rate.
The VA funding fee is a one-time fee paid to the VA to keep the program running. First-time use with $0 down is 2.15% of the loan amount. Subsequent use is 3.3%. Veterans with any service-connected disability rating are fully exempt. See our VA Funding Fee Chart for the complete breakdown.
This is an estimate, not a quote. Your actual rate, payment, and closing costs depend on your credit profile, property type, location, and lender. For your real numbers, get a personalized rate quote — it takes 60 seconds and doesn’t affect your credit score.