VA Loan Calculator

VA loan calculator for veterans and service members. Estimates funding fee, P&I, escrows and total monthly payment for Purchase/Build, Cash-Out and IRRRL scenarios. WCAG 2.1 AA.

VA Loan Calculator

This professional VA loan calculator estimates the VA funding fee, principal & interest, escrows (taxes, insurance, HOA), and total monthly payment. Use it for Purchase/Build, Cash-Out, or IRRRL scenarios.

Enter your loan details

$
%
%
$
$
$

Results

Base loan amount
$0.00
Funding fee
$0.00
Total loan amount
$0.00
Total monthly payment
$0.00
Monthly P&I: $0.00
Monthly escrows (T+I+HOA): $0.00

Methodology & funding-fee formula

BaseLoan = Price − DownPayment
FundingFee = BaseLoan × rate(purpose, first/subsequent use, down tier)
TotalLoan = BaseLoan + (FundingFee if financed)
PI = r × TotalLoan / (1 − (1 + r)^(−n)), with r = APR/12, n = 12×Years
TotalMonthly = PI + Tax/12 + Insurance/12 + HOA

FAQ

Who is exempt from the VA funding fee?

Veterans with service-connected disability compensation, some active-duty recipients with Purple Heart, and eligible surviving spouses; lenders verify with VA.

Does financing the fee change P&I?

Yes—financing increases the total loan amount, raising P&I. Paying the fee upfront keeps P&I lower.

Author: Ugo Candido. Reviewed by: Finance SME Team. Last updated: . Category: Finance › Mortgages.

Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Formula (extracted text)
BaseLoan = Price − DownPayment FundingFee = BaseLoan × rate(purpose, first/subsequent use, down tier) TotalLoan = BaseLoan + (FundingFee if financed) PI = r × TotalLoan / (1 − (1 + r)^(−n)), with r = APR/12, n = 12×Years TotalMonthly = PI + Tax/12 + Insurance/12 + HOA
Variables and units
  • T = property tax (annual or monthly depending on input) (currency)
  • I = homeowners insurance (annual or monthly depending on input) (currency)
  • HOA = homeowners association dues (monthly) (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

Full original guide (expanded)

VA Loan Calculator

This professional VA loan calculator estimates the VA funding fee, principal & interest, escrows (taxes, insurance, HOA), and total monthly payment. Use it for Purchase/Build, Cash-Out, or IRRRL scenarios.

Enter your loan details

$
%
%
$
$
$

Results

Base loan amount
$0.00
Funding fee
$0.00
Total loan amount
$0.00
Total monthly payment
$0.00
Monthly P&I: $0.00
Monthly escrows (T+I+HOA): $0.00

Methodology & funding-fee formula

BaseLoan = Price − DownPayment
FundingFee = BaseLoan × rate(purpose, first/subsequent use, down tier)
TotalLoan = BaseLoan + (FundingFee if financed)
PI = r × TotalLoan / (1 − (1 + r)^(−n)), with r = APR/12, n = 12×Years
TotalMonthly = PI + Tax/12 + Insurance/12 + HOA

FAQ

Who is exempt from the VA funding fee?

Veterans with service-connected disability compensation, some active-duty recipients with Purple Heart, and eligible surviving spouses; lenders verify with VA.

Does financing the fee change P&I?

Yes—financing increases the total loan amount, raising P&I. Paying the fee upfront keeps P&I lower.

Author: Ugo Candido. Reviewed by: Finance SME Team. Last updated: . Category: Finance › Mortgages.

Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Formula (extracted text)
BaseLoan = Price − DownPayment FundingFee = BaseLoan × rate(purpose, first/subsequent use, down tier) TotalLoan = BaseLoan + (FundingFee if financed) PI = r × TotalLoan / (1 − (1 + r)^(−n)), with r = APR/12, n = 12×Years TotalMonthly = PI + Tax/12 + Insurance/12 + HOA
Variables and units
  • T = property tax (annual or monthly depending on input) (currency)
  • I = homeowners insurance (annual or monthly depending on input) (currency)
  • HOA = homeowners association dues (monthly) (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

VA Loan Calculator

This professional VA loan calculator estimates the VA funding fee, principal & interest, escrows (taxes, insurance, HOA), and total monthly payment. Use it for Purchase/Build, Cash-Out, or IRRRL scenarios.

Enter your loan details

$
%
%
$
$
$

Results

Base loan amount
$0.00
Funding fee
$0.00
Total loan amount
$0.00
Total monthly payment
$0.00
Monthly P&I: $0.00
Monthly escrows (T+I+HOA): $0.00

Methodology & funding-fee formula

BaseLoan = Price − DownPayment
FundingFee = BaseLoan × rate(purpose, first/subsequent use, down tier)
TotalLoan = BaseLoan + (FundingFee if financed)
PI = r × TotalLoan / (1 − (1 + r)^(−n)), with r = APR/12, n = 12×Years
TotalMonthly = PI + Tax/12 + Insurance/12 + HOA

FAQ

Who is exempt from the VA funding fee?

Veterans with service-connected disability compensation, some active-duty recipients with Purple Heart, and eligible surviving spouses; lenders verify with VA.

Does financing the fee change P&I?

Yes—financing increases the total loan amount, raising P&I. Paying the fee upfront keeps P&I lower.

Author: Ugo Candido. Reviewed by: Finance SME Team. Last updated: . Category: Finance › Mortgages.

Audit: Complete
Formula (LaTeX) + variables + units
This section shows the formulas used by the calculator engine, plus variable definitions and units.
Formula (extracted LaTeX)
\[','\]
','
Formula (extracted text)
BaseLoan = Price − DownPayment FundingFee = BaseLoan × rate(purpose, first/subsequent use, down tier) TotalLoan = BaseLoan + (FundingFee if financed) PI = r × TotalLoan / (1 − (1 + r)^(−n)), with r = APR/12, n = 12×Years TotalMonthly = PI + Tax/12 + Insurance/12 + HOA
Variables and units
  • T = property tax (annual or monthly depending on input) (currency)
  • I = homeowners insurance (annual or monthly depending on input) (currency)
  • HOA = homeowners association dues (monthly) (currency)
Sources (authoritative):
Changelog
Version: 0.1.0-draft
Last code update: 2026-01-19
0.1.0-draft · 2026-01-19
  • Initial audit spec draft generated from HTML extraction (review required).
  • Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
  • Confirm sources are authoritative and relevant to the calculator methodology.
Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn
Formulas

(Formulas preserved from original page content, if present.)

Version 0.1.0-draft
Citations

Add authoritative sources relevant to this calculator (standards bodies, manuals, official docs).

Changelog
  • 0.1.0-draft — 2026-01-19: Initial draft (review required).