Monthly Payment

VA Loan Calculator

Estimate your monthly payment for a VA loan including the VA funding fee. No PMI or down payment required for eligible veterans.

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Today's average as of September 14, 2026. Adjust to your quote.

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Total Monthly Payment

$3,216.84

Base Loan Amount$400,000
VA Funding Fee$8,600
Total Loan (incl. fee)$408,600
Principal & Interest$2,650.17
Property Tax$416.67
Insurance$150

No PMI required on VA loans.

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FAQ

VA Calculator Questions

Straight answers from a California mortgage broker.

A one-time fee that funds the VA loan program in place of mortgage insurance. It ranges from 1.25% to 3.3% of the loan depending on down payment and whether it is your first VA loan. It is usually financed. Veterans receiving VA disability compensation are exempt.
No. Eligible veterans and service members can finance 100% of the purchase price with no PMI. A down payment of 5% or more lowers the funding fee.
Borrowers with full entitlement have no VA loan limit; lenders set their own caps based on income and credit. Partial entitlement (an existing VA loan still open) follows county limits.

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This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: September 2026