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VA mortgage calculator

Estimate a VA purchase-loan payment, including the funding fee and your property-cost assumptions.

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Estimate a VA purchase-loan payment, including the funding fee and your property-cost assumptions.

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Precision and calculation record
Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.
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Formula and assumptions
Uses the VA purchase-loan fee schedule effective April 7, 2023. Confirm exemption and entitlement with VA or your lender. This does not cover refinancing, manufactured-home-only loans, points, other closing costs, lender underwriting or future changes in tax and insurance. Interest and costs are assumptions you enter, not offers. Fee tiers use down payment divided by purchase price; the fee itself applies to the base loan.
Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.
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Using VA mortgage calculator
Estimate a VA purchase-loan payment, including the funding fee and your property-cost assumptions.
Uses the VA purchase-loan fee schedule effective April 7, 2023. Confirm exemption and entitlement with VA or your lender. This does not cover refinancing, manufactured-home-only loans, points, other closing costs, lender underwriting or future changes in tax and insurance. Interest and costs are assumptions you enter, not offers. Fee tiers use down payment divided by purchase price; the fee itself applies to the base loan.
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A worked example
For purchase price (usd) = 200000, down payment (usd) = 10000, annual interest rate (%) = 6, term (years) = 30, va loan use = First use, funding-fee exemption confirmed by va = Not exempt, funding fee payment = Finance the fee, annual property tax and insurance (usd) = 3600, monthly hoa or other fixed costs (usd) = 0, estimated monthly payment with entered costs (usd) = 1456.23.
Before you use the result
Uses the VA purchase-loan fee schedule effective April 7, 2023. Confirm exemption and entitlement with VA or your lender. This does not cover refinancing, manufactured-home-only loans, points, other closing costs, lender underwriting or future changes in tax and insurance. Interest and costs are assumptions you enter, not offers. Fee tiers use down payment divided by purchase price; the fee itself applies to the base loan.
Example results for purchase price (usd)
These examples use Down payment (USD): 10000; Annual interest rate (%): 6; Term (years): 30; VA loan use: First use; Funding-fee exemption confirmed by VA: Not exempt; Funding fee payment: Finance the fee; Annual property tax and insurance (USD): 3600; Monthly HOA or other fixed costs (USD): 0. They are reference calculations, not recommended settings.
Purchase price (USD)Estimated monthly payment with entered costs (USD)
100000846.34
2000001456.23
4000002688.52
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ToolOctopus. “VA mortgage calculator.” Updated 2026-10-03. https://tooloctopus.com/va-mortgage-calculator.
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