Use this free calculator to estimate your monthly VA loan payment. Adjust the purchase price, interest rate, loan term, and disability status to see your funding fee, taxes, insurance, and total payment. Turn on House Hacking Mode to see how rental income from a multi-unit property offsets your cost.

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VA Loan Payment Calculator

Calculate your estimated monthly payment with zero down, funding fee, taxes, insurance, and house hacking income.

Purchase Price $350,000

$100,000$800,000

Down Payment 0%

0%20%

Interest Rate 6.5%

4%9%

Loan Term

VA Loan Usage

VA Disability Rating

Property Tax Rate 0.6%

0.2%3.0%

Monthly HOA Fees $0

$0$500

House Hacking Mode

Rental Income from Other Units

Enter the total monthly rent you’ll collect from the units you’re not living in. This offsets your mortgage payment.

Monthly Rental Income $0

$0$6,000

Your Estimated Payment

Total Monthly Payment
$2,362.41

Principal & Interest

$2,037.41

Property Taxes

0.6% annually

$175.00

Homeowner’s Insurance

Estimated

$150.00

HOA Fees

$0.00

PMI

Waived with VA loan

$0.00

House Hacking Breakdown

Rental Income -$0

Your Out-of-Pocket Cost $0

Monthly Savings vs. Renting $0

Funding Fee (2.15%) $7,525

Total Loan Amount $357,525

Total Interest Paid $376,444

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This calculator provides estimates for educational purposes only. Actual rates, payments, and fees may vary based on your credit score, lender, and specific loan terms. Consult with a VA-approved lender for exact figures. Property tax, insurance, and rental income amounts are estimates and may differ from actual costs in your area.