VA Loan Calculator
Monthly payment, funding fee, BAH coverage, loan comparison, equity projection, and a plain-language buy vs rent verdict — all in one calculator, 100% free.
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Advanced Analysis
Enter loan details above to see VA vs Conventional vs FHA comparison.
Open Advanced Analysis and enter your BAH to see coverage analysis.
Enter monthly rent in Advanced Analysis to see break-even analysis.
Enter loan details to see equity projection over time.
Fill in your details above to get your personalized buy vs rent verdict.
VA Funding Fee Reference (2025–2026)
| Service Type | Use | 0–4.99% down | 5–9.99% down | 10%+ down |
|---|---|---|---|---|
| Active Duty / Veteran | First use | 2.15% | 1.50% | 1.25% |
| Active Duty / Veteran | Subsequent use | 3.30% | 1.50% | 1.25% |
| Reserve / Guard | First use | 2.40% | 1.75% | 1.50% |
| Reserve / Guard | Subsequent use | 3.30% | 1.50% | 1.25% |
This calculator provides estimates only and does not constitute financial advice. Actual payments will differ based on property taxes, homeowner's insurance, HOA fees, and lender-specific terms. VA funding fee rates sourced from VA.gov and are subject to change. Always verify current rates with your lender. Not affiliated with the Department of Veterans Affairs or any government agency.