VA Home Loan Calculator
Calculate your VA loan monthly payment with accurate 2025 funding fees based on service type, loan usage count, and down payment. Include or exclude any closing costs and choose which to roll into the loan.
National average rates from the Freddie Mac Primary Mortgage Market Survey. Your actual rate may vary based on credit score, lender, and location.
Loan Details
VA loans allow $0 down
VA Loan Details
Other Closing Costs
Check each item to include it. Rollable items can be added to your loan balance.
Lender processing fee (max 1% of loan per VA rules)
Prepaid interest to buy down your rate
VA-assigned appraiser; typically $400–$700
Protects against title defects
County recording fee
Required in some states
Paid upfront; not rollable per VA rules
First year premium paid at closing
Initial escrow deposit for property taxes
Monthly Payment
$2,222.74
VA Funding Fee
$7,525.00
2.15% — rolled in
Total Loan Amount
$361,000
Incl. rolled costs
Total Interest
$439,186
Over loan life
Cost Summary
VA Loan Advantage vs. Conventional (5% down + PMI)
Your VA loan saves approximately $101.60/month — that is $1,219/year compared to a conventional loan with 5% down and PMI.
2025 VA Funding Fee Reference Table
| Usage | <5% down | 5–9.99% down | ≥10% down |
|---|---|---|---|
| 1st Use (Regular) | 2.15% | 1.50% | 1.25% |
| 2nd+ Use (Regular) | 3.30% | 1.50% | 1.25% |
| 1st Use (Reserves) | 2.40% | 1.75% | 1.50% |
| 2nd+ Use (Reserves) | 3.30% | 1.75% | 1.50% |
| IRRRL (any) | 0.50% flat | ||
| Cash-Out Refi 1st | 2.15% / 2.40% (Reserves) | ||
| Cash-Out Refi 2nd+ | 3.30% flat | ||
Disability exemption (≥10% rating), Purple Heart recipients, and surviving spouses pay $0.
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Live Market Data
Fed Rate
3.64%
10yr Treasury
4.31%
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