VA payment and down payment calculator | Fee table reviewed July 15, 2026
VA loan monthly payment calculator for 2026: see the full estimated payment
Estimate the full monthly payment and compare 0%, 5%, or 10% down. See how the choice changes the base loan, VA funding fee, financed amount, cash to close, taxes, insurance, and HOA dues.
Estimate the full VA payment and cash to close
Change the price, down payment, benefit use, funding-fee status, taxes, insurance, HOA dues, and credits. The result updates as you type.
Compare the structure, not just the rate
VA loan down payment calculator: compare 0%, 5%, and 10%
Eligible borrowers with sufficient entitlement may be able to use 0% down. A down payment can reduce the base loan and may lower the VA funding-fee tier. It can also be needed when entitlement is short or the price is above the appraised value.
Current comparison: 0% down, or $0 on the entered price.
Important: Zero down does not mean zero cash due. Closing costs, prepaid taxes and insurance, escrow funding, points, and any amount above appraised value can still affect cash to close.
Current purchase-fee tiers are drawn from the official VA funding-fee table. Credits cannot cover a required down payment, and eligibility, entitlement, exemption status, taxes, insurance, appraisal, residual income, and underwriting still need verification.
What matters first
VA scenarios need entitlement, occupancy, funding fee, property fit, residual income, and timing reviewed before a zero-down plan is trusted.
- Eligibility and entitlement
- Funding fee and payment impact
- Occupancy and property fit
- Residual income and cash to close
Payment and cash-to-close control
Use the numbers as a planning view, then confirm taxes, insurance, credits, and program fit before the offer moves.
If the numbers look close, send Matt the address, timing, and concern so he can look at the real file instead of handing you a surface-level quote.
Pick the path closest to your situation
Choose the route that matches the decision in front of you: loan type, local market, payment, cash to close, or the rule that could change the plan.
What gets checked before a recommendation
Documents and facts
- Certificate of eligibility status
- Occupancy plan
- Funding fee exemption status
- Target property and timeline
Common deal blockers
- Entitlement gaps
- Residual income
- VA property requirements
- Occupancy or funding fee assumptions
Useful next reads
These are the next pages I would use when the first answer depends on a program rule, a local market detail, or a payment assumption.
What to send for a useful review
Send the address or area, price range, timeline, down payment or equity, occupancy, and the one thing you are worried could stop the deal.
Common starting points
Turn the estimate into a file review
Send Matt the inputs that could change the VA payment
Share the property or price range, down payment, benefit-use history, funding-fee status, taxes, insurance, HOA dues, timeline, and the question you need answered. The estimate is a useful starting point, not an eligibility or approval result.
Matt Doby, Mortgage Loan Officer
NMLS #2115225 | Edge Home Finance Corp. NMLS #891464
843-589-1776 | [email protected]
Primary sources reviewed July 15, 2026
Verify VA fees, eligibility, and final costs at the source
VA lists the current purchase funding-fee table as effective April 7, 2023 and updated its public page January 15, 2026. The calculator applies those published purchase tiers. Confirm the current Certificate of Eligibility, exemption, loan structure, property, lender figures, and official guidance before relying on the estimate.
VA monthly payment calculator questions, answered plainly
How much down payment does a VA purchase loan require?
An eligible borrower with sufficient entitlement may be able to buy with no required down payment. A down payment may still be needed when entitlement is not sufficient for the loan, the price is above the appraised value, or the borrower chooses to reduce the loan amount or funding fee. Confirm the Certificate of Eligibility, entitlement, property, and final loan structure before relying on a zero-down estimate.
What does this VA loan monthly payment calculator include?
The estimate combines principal and interest with the property taxes, homeowners insurance, and HOA dues entered. It also shows the estimated VA funding fee, financed loan amount, and a planning view of cash to close. It does not know the final property, eligibility, entitlement, exemption, pricing, or closing figures.
Does a VA purchase loan have monthly mortgage insurance?
No. VA-backed purchase loans do not use monthly private mortgage insurance or FHA-style monthly mortgage insurance. A one-time VA funding fee may apply unless the Certificate of Eligibility and current VA rules confirm an exemption.
What VA funding-fee rates does this calculator use?
For an eligible VA purchase, it uses the current VA table: 2.15% for first use and 3.3% for subsequent use with less than 5% down, 1.5% with at least 5% down, and 1.25% with at least 10% down. Confirm the fee and exemption status before relying on the estimate.
Can the VA funding fee be financed into the loan?
VA states that the funding fee may generally be paid in full at closing or included in the loan amount. On a purchase loan, ordinary closing costs are not financed into the VA loan in the same way. Verify the final structure and Loan Estimate for the file.
How does the calculator estimate cash to close?
It combines the down payment, entered closing costs, any unfinanced funding fee, eligible credits, and earnest money. It cannot know every prepaid item, discount point, escrow adjustment, seller-credit limit, or final settlement figure.
Can I use the calculator result as a final approval or quote?
No. It is a planning estimate. Eligibility, entitlement, income, residual income, assets, credit, property condition, appraisal, taxes, insurance, interest rate, fees, and underwriting still require file-specific review.
Educational planning estimate only. Not a VA eligibility or entitlement decision, approval, rate quote, payment quote, savings guarantee, appraisal, or commitment to lend. Current VA rules, property and borrower facts, pricing, insurance, taxes, fees, and underwriting control.