Estimate a U.S. VA purchase-loan payment using the verified official funding-fee tiers, confirmed exemption status and a transparent amortization schedule.
01 / PURPOSE-SPECIFIC INPUTS
Official funding-fee schedule verified locally from VA.gov, effective April 7, 2023. This purchase-only model does not decide exemption eligibility, entitlement or lender approval.
02 / RESULT & INTERACTIVE INSPECTION
U.S. VA-backed purchase/construction fixed-rate model only. Exemption status must be confirmed with VA/lender; this tool does not determine eligibility or approval. IRRRL, cash-out refinancing, NADL, assumptions, non-affixed manufactured-home loans and other special fee schedules are unsupported. VA funding fees are separate from ordinary closing costs; no monthly PMI is added.
Scheduled principal and interest: 1,837.3226 USD/month. Scheduled housing total: 2,187.3226 USD/month.
Observation 0: Remaining financed principal: 306,450 USD.
Observation 0: Cumulative principal repaid: 0 USD; Cumulative interest: 0 USD.
First use, 0% down: 6,450 USD.
| Month | Actual payment | Interest this month | Principal repaid | Ending balance |
|---|---|---|---|---|
| 1 | $1,837.32 | $1,532.25 | $305.07 | $306,144.93 |
| 2 | $1,837.32 | $1,530.72 | $306.60 | $305,838.33 |
| 3 | $1,837.32 | $1,529.19 | $308.13 | $305,530.20 |
| 4 | $1,837.32 | $1,527.65 | $309.67 | $305,220.53 |
| 5 | $1,837.32 | $1,526.10 | $311.22 | $304,909.31 |
| 6 | $1,837.32 | $1,524.55 | $312.78 | $304,596.53 |
| 7 | $1,837.32 | $1,522.98 | $314.34 | $304,282.19 |
| 8 | $1,837.32 | $1,521.41 | $315.91 | $303,966.28 |
| 9 | $1,837.32 | $1,519.83 | $317.49 | $303,648.79 |
| 10 | $1,837.32 | $1,518.24 | $319.08 | $303,329.71 |
| 11 | $1,837.32 | $1,516.65 | $320.67 | $303,009.04 |
| 12 | $1,837.32 | $1,515.05 | $322.28 | $302,686.76 |
| 13 | $1,837.32 | $1,513.43 | $323.89 | $302,362.87 |
| 14 | $1,837.32 | $1,511.81 | $325.51 | $302,037.36 |
| 15 | $1,837.32 | $1,510.19 | $327.14 | $301,710.23 |
| 16 | $1,837.32 | $1,508.55 | $328.77 | $301,381.45 |
| 17 | $1,837.32 | $1,506.91 | $330.42 | $301,051.04 |
| 18 | $1,837.32 | $1,505.26 | $332.07 | $300,718.97 |
| 19 | $1,837.32 | $1,503.59 | $333.73 | $300,385.24 |
| 20 | $1,837.32 | $1,501.93 | $335.40 | $300,049.85 |
Rows 1–20 of 360
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The VA.gov schedule effective April 7, 2023 was verified on October 27, 2026; its page was updated October 5, 2026. Below five percent down, first use is 2.15% and subsequent use 3.3%; at least five percent is 1.5%, and at least ten percent is 1.25%.
Estimate a U.S. VA purchase-loan payment using the verified official funding-fee tiers, confirmed exemption status and a transparent amortization schedule. Inspect real calculated values through accessible visual controls and review the worked assumptions.
VA Mortgage Calculator calculates locally in browser memory. Financial values, schedules, measurements, health inputs and other entries are not sent to a third-party calculation-processing API or stored as a personal profile. Ordinary page requests may still be logged. Clipboard access occurs only when you choose Copy Result.
The VA.gov schedule effective April 7, 2023 was verified on October 27, 2026; its page was updated October 5, 2026. Below five percent down, first use is 2.15% and subsequent use 3.3%; at least five percent is 1.5%, and at least ten percent is 1.25%.
It applies to price minus down payment, not purchase price. Tier boundaries and fee rounding use exact cents. A 300,000-dollar purchase with zero down and standard first use has a 6,450-dollar fee; financing it produces 306,450-dollar principal.
VA and the lender must confirm the applicable exemption. Qualifying circumstances can include certain service-connected compensation eligibility, DIC surviving spouses, qualifying proposed ratings and documented Purple Heart status. The calculator does not infer eligibility from a disability percentage.
No. This purchase model finances only the VA funding fee when selected. Ordinary closing costs and prepaids are cash items. The official VA page distinguishes closing-cost credits from seller concessions, so a blanket four-percent cap is not applied to all credits.
Cash to close includes down payment, entered ordinary closing costs/prepaids and the funding fee only when upfront. Monthly housing adds scheduled principal/interest, estimated tax/insurance and entered HOA/other costs. Unentered settlement items, credits and entitlement/appraisal effects are excluded.
IRRRL, cash-out refinance, NADL, assumptions, non-affixed manufactured-home and other special fee schedules are unsupported. Prior use limited to certain manufactured-home purchases can still receive first-use treatment under VA rules; select the lender-confirmed classification. No result determines entitlement, approval or loan eligibility.