VA Loan Calculator
Calculate your VA home loan payment including the VA funding fee. Estimate monthly payments for eligible veterans and service members.
One-time fee paid at closing. It varies by service category, down payment and whether it is your first use.
Monthly payment
$2,204.58
Funding fee
$8,050
Financed into the loan
Total payment
$793,647
Total interest
$435,597
VA loans are guaranteed by the US Department of Veterans Affairs and typically require no private mortgage insurance.
How it works
Payment = amortising formula on (price − down payment + funding fee). Funding fee = loan × fee% by service type.
Example: $350,000 at 5.5%, 0% down, 2.15% fee → ~$2,028/month.
VA Loan Calculator on True Calculator gives you an instant, accurate answer with no sign-up and no app install. Calculate your VA home loan payment including the VA funding fee. Estimate monthly payments for eligible veterans and service members. Every result shows the formula and a worked example so you can verify the calculation yourself, and all values are computed in your own browser — your numbers never leave your device.
Popular uses: va loan calculator · va mortgage calculator · va loan payment calculator
Last updated: August 2026
How We Calculate
This calculator uses standard mathematical formulas verified by our team. All calculations are performed instantly in your browser using JavaScript — no data is sent to any server. The formulas used are industry-standard and match those used by banks, financial institutions and health organizations.
For financial calculators, we use RBI-approved formulas and regularly updated bank rates. For health calculators, we use WHO-recommended formulas and medical standards. All rates and standards are sourced from official government and regulatory websites.
Frequently Asked Questions
What is a VA loan?
It is a mortgage backed by the Department of Veterans Affairs for eligible service members, veterans and surviving spouses — typically offering zero down payment and no private mortgage insurance.
Do VA loans require mortgage insurance?
No monthly PMI. Instead there is a one-time VA funding fee (0.5%–3.3% depending on service and down payment), which can be paid upfront or rolled into the loan.
Can I finance the VA funding fee into my loan?
Yes, the funding fee may be included in the financed amount. This calculator lets you fold it in so your monthly payment reflects the true cost.
Is this VA mortgage calculator free to use?
Yes, True Calculator's VA mortgage calculator is completely free with no sign-up, no app install and no usage limits.
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