VA Loan Calculator
VA loans, guaranteed by the Department of Veterans Affairs, let eligible veterans and service members buy with no down payment and no monthly mortgage insurance. The main cost is a one-time funding fee. Enter a price below to estimate the full VA payment.
Your numbers
Loan balance over time
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Amortization schedule
Every payment, split into principal and interest. Export it or print a copy.
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 2026 | $1,919 | $11,962 | $358,081 |
| 2027 | $4,035 | $23,726 | $354,046 |
| 2028 | $4,312 | $23,449 | $349,734 |
| 2029 | $4,608 | $23,153 | $345,126 |
| 2030 | $4,925 | $22,837 | $340,201 |
| 2031 | $5,263 | $22,499 | $334,938 |
| 2032 | $5,624 | $22,137 | $329,314 |
| 2033 | $6,010 | $21,751 | $323,303 |
| 2034 | $6,423 | $21,338 | $316,880 |
| 2035 | $6,864 | $20,897 | $310,016 |
| 2036 | $7,336 | $20,426 | $302,680 |
| 2037 | $7,839 | $19,922 | $294,841 |
| 2038 | $8,378 | $19,384 | $286,463 |
| 2039 | $8,953 | $18,808 | $277,510 |
| 2040 | $9,568 | $18,194 | $267,942 |
| 2041 | $10,225 | $17,537 | $257,717 |
| 2042 | $10,927 | $16,834 | $246,790 |
| 2043 | $11,677 | $16,084 | $235,113 |
| 2044 | $12,479 | $15,282 | $222,633 |
| 2045 | $13,336 | $14,425 | $209,297 |
| 2046 | $14,252 | $13,509 | $195,045 |
| 2047 | $15,231 | $12,531 | $179,814 |
| 2048 | $16,277 | $11,485 | $163,537 |
| 2049 | $17,394 | $10,367 | $146,143 |
| 2050 | $18,589 | $9,172 | $127,554 |
| 2051 | $19,866 | $7,896 | $107,688 |
| 2052 | $21,230 | $6,532 | $86,459 |
| 2053 | $22,688 | $5,074 | $63,771 |
| 2054 | $24,246 | $3,516 | $39,526 |
| 2055 | $25,911 | $1,851 | $13,615 |
| 2056 | $13,615 | $266 | $0 |
No down payment, no monthly insurance
Two features make VA loans stand out. First, eligible borrowers can finance the full purchase price, so no down payment is required. Second, there is no monthly mortgage insurance at all, unlike conventional PMI or FHA premiums. That combination often makes the monthly payment lower than any comparable option.
Because there is no PMI, this calculator hides the mortgage-insurance field for VA. Your payment is principal, interest, property tax, and homeowners insurance.
Understanding the VA funding fee
In place of insurance, the VA charges a one-time funding fee, a percentage of the loan that varies with your down payment and whether it is your first VA loan. It is usually financed into the balance rather than paid in cash. Some borrowers, including many with service-connected disabilities, are exempt. To model it, add the fee to your loan amount.