为现役/退伍军人设计：0% 首付、无 PMI、funding fee 0.5%（首用）。
$3,049
$408,600
$0 (0.0%)
$8,600 (2.15%)
100.0%
$497,095
| Component | Amount |
|---|---|
| Principal & Interest | $2,516 |
| Property tax | $400 |
| Homeowners insurance | $133 |
| Total PITI (no PMI!) | $3,049 |
No PMI on VA loans. Unlike FHA or conventional loans with less than 20% down, VA loans do not require monthly private mortgage insurance. The one-time funding fee covers the lender's risk.
VA loans are guaranteed by the U.S. Department of Veterans Affairs and available to eligible veterans, active-duty service members, and select spouses. 2026 funding fee: 2.15% first-time use, 3.30% subsequent use. Veterans with service-connected disability rating of 10% or more are exempt from the funding fee.
VA 贷款 0% 首付 vs 传统 5% 首付，同利率 6.5%：
| 项目 | VA 贷款 | 传统贷款 |
|---|---|---|
| 首付 | $0 | $15,000 (5%) |
| 贷款额 | $300,000 | $285,000 |
| 月供 P&I | $1,896 | $1,801 |
| PMI | $0 | $190/月 |
| Funding Fee | $1,500 (0.5%) | $0 |
| 实际月供 | $1,896 | $1,991 |
VA 贷款免 PMI，但需付 funding fee（首用 0.5%、再用 1.0%）。残障退伍军人可免 funding fee。需 Certificate of Eligibility (COE)。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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A VA mortgage calculator is a free home-buying planning tool for eligible veterans and service members that estimates monthly PITI for a VA-guaranteed home loan. Our VA mortgage calculator factors in home price, down payment, mortgage rate, term, property tax, insurance, HOA, and the VA funding fee (2.15% first-time use or 3.30% subsequent use in 2026). The funding fee can be rolled into the loan. Unlike FHA loans, VA loans require no monthly mortgage insurance.
How it works
Our VA mortgage calculator computes monthly PITI including the VA funding fee (financed into loan) and shows no PMI on VA loans.
Type the home price. VA loans allow 0% down — leave at 0 if eligible. A small down payment reduces LTV and the funding fee amount (but the funding fee rate stays the same).
Type the expected VA mortgage rate (often close to or slightly above conventional rates) and loan term (15 or 30 years). The VA mortgage calculator uses these to compute monthly P&I.
Type your local property tax rate, homeowners insurance rate, and any HOA dues. VA loans do NOT require PMI.
Pick whether this is your first VA loan (2.15% funding fee) or a subsequent use (3.30%). Veterans with 10%+ service-connected disability are exempt — set funding fee to 0 if that applies.
The VA mortgage calculator shows monthly PITI (no PMI!), financed funding fee, total loan amount, LTV, and total interest paid. Note that VA loans have no loan limit (subject to lender approval and VA residual income guidelines).
Calculate FHA mortgage payments including MIP insurance and the required 3.5% down payment.
Estimate monthly mortgage payment, total interest, and amortization schedule.
Find out how much house you can afford based on income, debts, down payment, and interest rate.
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