Try the VA calculator
VA Loan Calculator
Zero-down VA with funding-fee tiering for first-use, subsequent-use, and exempt veterans.
Down: $0
Estimates only. Not a commitment to lend. Actual rates and fees depend on credit, property, lender pricing, and underwriting. Consult a licensed loan officer.
What makes the VA calculator different
The VA loan is the most misunderstood program in residential mortgage. Most free calculators online ignore the funding-fee tiering entirely or treat it as a single flat rate. Yours won’t:
- Zero-down standard — defaults to 0% down because that’s what most VA borrowers want.
- Funding-fee tier logic — uses the 2025 schedule:
- First-use, 0% down: 2.15%
- First-use, 5-10% down: 1.5%
- First-use, ≥10% down: 1.25%
- Subsequent-use, 0% down: 3.3%
- Disability exempt: 0%
- No monthly mortgage insurance — VA loans don’t carry monthly MI, and the calculator reflects this correctly.
- Funding fee financed by default — the most common veteran preference, with an option to pay at close.
- Full PITI — principal, interest, taxes, insurance, HOA.
Compliance considerations
VA loans have specific advertising rules. The snapshot ships with the required messaging:
- “VA loans are loans guaranteed by the Department of Veterans Affairs” disclaimer where required.
- No language that implies VA endorsement of your firm.
- Funding-fee disclosure on every quote.
- Equal Housing Lender and NMLS displayed consistently.
Where it lives in the snapshot
- VA Loan Specialist sub-niche service page (embedded)
- Veterans-targeted Facebook lead ad funnel landing page
- PCS-season landing pages (active duty service members near major bases)
- Your homepage as a lead-magnet section
- Available as a popup widget the AI receptionist can hand off to
Is the funding-fee schedule current?
Yes — we maintain the 2025 schedule and update whenever VA publishes changes.
How does the disability exemption work?
When 'exempt' is selected, the funding fee is set to zero. The borrower must have a VA-rated service-connected disability to qualify; the snapshot ships disclaimer text explaining this.
Does this handle VA jumbo (above-conforming) loans?
Yes — the calculator works at any loan size. VA jumbo guidelines vary by lender, so the rate input is fully editable.
Can I run a VA IRRRL (interest-rate-reduction refinance loan) scenario?
Use the Refinance calculator for IRRRL math. The funding fee for IRRRL is fixed at 0.5%, which you can input directly in a custom scenario.