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VA Mortgage Calculator

VA standard purchase/construction funding-fee schedule verified 2026-10-12. VA/lender eligibility, exemption and appraisal requirements must already be confirmed. Down-payment tiers use purchase price; fee applies to base loan after down payment. Fixed nominal rate, monthly end-period level payments, no other financed costs. Excludes refinance, NADL, manufactured-home and mixed-borrower cases. Enter actual quoted monthly taxes, insurance and HOA.

VA standard purchase/construction funding-fee schedule verified 2026-10-12. VA/lender eligibility, exemption and appraisal requirements must already be confirmed. Down-payment tiers use purchase price; fee applies to base loan after down payment. Fixed nominal rate, monthly end-period level payments, no other financed costs. Excludes refinance, NADL, manufactured-home and mixed-borrower cases. Enter actual quoted monthly taxes, insurance and HOA.

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Result

Enter your values and run the tool to see your result.

How to use this tool

Check the units, enter your values, and run the tool. Results follow the assumptions and method below.

Calculation method

VA funding fee(price-down)*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))
Financed principal((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))
Monthly principal and interest(apr == 0 ? ((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))/(years*12) : ((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))*(apr/1200)/(1-(1+apr/1200)^(-years*12)))
Monthly total(apr == 0 ? ((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))/(years*12) : ((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))*(apr/1200)/(1-(1+apr/1200)^(-years*12)))+escrow
Interest through maturity(apr == 0 ? ((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))/(years*12) : ((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))*(apr/1200)/(1-(1+apr/1200)^(-years*12)))*years*12-((price-down)*(1+financed*(exempt == 1 ? 0 : (down/price >= 0.1 ? 0.0125 : (down/price >= 0.05 ? 0.015 : (subsequent == 1 ? 0.033 : 0.0215))))))

References