VA Loan
VA Loan Calculator
Estimate a VA purchase payment using the correct first-use or subsequent-use funding fee, including fractional rates and property-tax percentages.
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0.000% down — 0% is allowed
Estimated monthly payment
$2,999.15
$2,515.82 P&I — no monthly mortgage insurance
Base loan amount
$400,000.00
0.000% down
Funding fee
$8,600.00
First use · 2.150%
Total loan amount
$408,600.00
Tax + insurance + HOA
$483.33
Yearly Amortization Preview
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $25,401.89 | $4,787.96 | $403,812.04 |
| 2 | $25,093.92 | $5,095.93 | $398,716.12 |
| 3 | $24,766.14 | $5,423.71 | $393,292.41 |
| 4 | $24,417.28 | $5,772.57 | $387,519.84 |
| 5 | $24,045.97 | $6,143.87 | $381,375.97 |
| 6 | $23,650.79 | $6,539.06 | $374,836.91 |
| 7 | $23,230.19 | $6,959.66 | $367,877.25 |
| 8 | $22,782.53 | $7,407.32 | $360,469.93 |
| 9 | $22,306.08 | $7,883.77 | $352,586.16 |
| 10 | $21,798.98 | $8,390.87 | $344,195.29 |
| 11 | $21,259.26 | $8,930.58 | $335,264.71 |
| 12 | $20,684.83 | $9,505.02 | $325,759.69 |
| 13 | $20,073.45 | $10,116.40 | $315,643.30 |
| 14 | $19,422.74 | $10,767.10 | $304,876.20 |
| 15 | $18,730.19 | $11,459.66 | $293,416.54 |
| 16 | $17,993.08 | $12,196.77 | $281,219.77 |
| 17 | $17,208.56 | $12,981.28 | $268,238.49 |
| 18 | $16,373.58 | $13,816.26 | $254,422.22 |
| 19 | $15,484.89 | $14,704.95 | $239,717.27 |
| 20 | $14,539.04 | $15,650.80 | $224,066.47 |
| 21 | $13,532.36 | $16,657.49 | $207,408.98 |
| 22 | $12,460.92 | $17,728.93 | $189,680.05 |
| 23 | $11,320.56 | $18,869.29 | $170,810.77 |
| 24 | $10,106.85 | $20,082.99 | $150,727.77 |
| 25 | $8,815.08 | $21,374.77 | $129,353.01 |
| 26 | $7,440.22 | $22,749.63 | $106,603.38 |
| 27 | $5,976.92 | $24,212.93 | $82,390.45 |
| 28 | $4,419.50 | $25,770.35 | $56,620.10 |
| 29 | $2,761.90 | $27,427.94 | $29,192.16 |
| 30 | $997.69 | $29,192.16 | $0.00 |
How this is calculated
- For a VA purchase with less than 5% down, the funding fee is 2.15% for first use and 3.3% for subsequent use.
- At 5%–9.99% down the fee is 1.5% — at 10% or more it is 1.25% for either use type.
- Some borrowers are exempt from the funding fee — confirm exemption status with a qualified loan officer and the Certificate of Eligibility.
- The funding fee is financed into the loan amount in this estimate.
- Monthly payment includes principal, interest, estimated property tax, homeowners insurance, and HOA.
Important disclaimer
The figures produced by this calculator are estimates provided for informational and educational purposes only. They are not a commitment to lend, a loan estimate, or a guarantee of any terms, rate, or approval.
Actual costs depend on many factors the tool cannot fully account for, including your specific loan program, the property's location and type, your credit profile, debt-to-income ratio, income documentation, current market interest rates, mortgage insurance requirements, taxes, and insurance premiums.
Interest rates, fees, and program guidelines change frequently. For an accurate quote tailored to your situation, connect with a One Eleven Mortgage loan officer who can review your complete financial picture and provide live, personalized numbers.
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