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Financial calculator

VA Mortgage Calculator

Estimate a VA-style mortgage payment and funding fee impact from user-entered assumptions.

VA funding fee percentages depend on borrower status, down payment, prior use and exemptions. Enter the current percentage from VA guidance or lender disclosure.

Method

The calculator subtracts down payment from home price, estimates the VA funding fee, optionally finances it and applies fixed-rate amortization.

Example

For a $360,000 home with no down payment and a 2.15% funding fee, the fee is $7,740. If financed, the loan amount becomes $367,740 before other closing costs.

Common mistakes

Do not assume one funding-fee percentage applies to every borrower. Prior VA use, down payment, service status and exemptions can change it.

Limitations

This is not a VA entitlement, eligibility or funding-fee determination. Exemptions, loan limits, residual income, appraisal and lender underwriting are not modeled.

References

Last reviewed: 2026-05-16

Before relying on this result

Use this calculator together with the formula, assumptions, limitations and examples on the page. If the topic involves health, tax, lending, investment, legal, safety or current-rate decisions, treat the number as an estimate and check the relevant primary source or professional guidance.

Calculator metadata last reviewed: 2026-05-14.