TreatFlowFinancial Systems
Department of Veterans Affairs Financing

VA Loan Calculator

Compute accurate VA mortgage payments with 0% down payment, statutory funding fee tiers, disability exemption status, and zero monthly PMI.

VA Home Loan ParametersStep 1 of 2

Military Service & Funding Fee Status
Total Monthly Payment
$3,280.98 /mo
$0 Monthly PMI / MIP Guarantee
Principal & Interest
$2,755.98
VA Funding Fee
2.15% ($9,675)
Down Payment (0%):$0
Base Loan Amount:$450,000
Total Financed Balance:$459,675
Taxes & Insurance:$525/mo
Total Lifetime Interest:$532,479.2
The VA Loan Lifetime Advantage

By eliminating monthly mortgage insurance premiums (PMI), a VA loan saves qualifying active duty service members and veterans an average of $150 to $350 each month compared to standard FHA and conventional low-down-payment mortgages.

VA Loan Funding Fee Schedule & Formulas

The VA funding fee is a one-time administrative payment mandated by federal law (38 U.S.C. 3729) that reduces the taxpayer cost of the VA home loan program.

1. 2026 Statutory VA Funding Fee Schedule

Down Payment < 5%: First Use = 2.15% | Subsequent Use = 3.30%
Down Payment 5% to 9.99%: 1.50% (First or Subsequent Use)
Down Payment ≥ 10%: 1.25% (First or Subsequent Use)
Service-Connected Disability Exemption: 0.00%

2. Total Financed Balance

Base Loan Amount = Purchase Price - Cash Down Payment
Total Loan Balance = Base Loan Amount + (Base Loan Amount × Funding Fee %)

Frequently Asked Questions

Related Financial Tools

Interconnected calculations to validate your business economics

View all 106 models →
Mortgage

FHA Loan Calculator

Model 3.5% down payment FHA mortgages with financed 1.75% upfront MIP, monthly MIP, and amortization.

Open Calculator
Home Financing

Mortgage & PITI Payment Calculator

Model monthly PITI payments, property taxes, insurance, PMI, and full 30-year amortization schedule.

Open Calculator
Debt Coverage

DSCR Commercial Loan Calculator

Verify Debt Service Coverage Ratios for commercial financing and SBA debt underwriting.

Open Calculator
Home Equity

HELOC Payment & Borrowing Power Calculator

Calculate maximum borrowing limits under 80% to 90% LTV, interest-only draw payments, and 20-year repayment spikes.

Open Calculator