VA loan calculator
$0 down, no PMI, and the 2026 funding fee built right in — with a toggle for the exemption many disabled veterans don't realize they have.
The VA loan is the most powerful mortgage benefit in the country. This tool shows your estimated payment with the funding fee financed into the loan — and lets you toggle the exemption that applies to many disabled veterans.
Estimated monthly payment (P&I)
Estimate only. 2026 funding fee: 2.15% first use / 3.30% subsequent with no money down; 1.50% with 5–9.99% down; 1.25% with 10%+ down; $0 if exempt. Confirm your exact eligibility, entitlement and fee with a VA-approved lender.
Frequently asked questions
If you have full entitlement, yes — you can buy with no down payment, and in 2026 there is no VA loan limit for full-entitlement borrowers. You'll still have closing costs, but those can often be offset with seller concessions, which I negotiate for you.
It's a one-time fee that keeps the program running — 2.15% of the loan for a first-time purchase with no money down (3.30% for subsequent use), and lower if you put money down. About one in three eligible veterans, including most receiving VA disability compensation, are fully exempt.
Yes. Your entitlement is reusable. When you sell and pay off the VA loan, full entitlement is restored for the next purchase. Some families even keep the first home as a rental and use remaining entitlement to buy again.
Want a personalized breakdown?
These tools give estimates. For real numbers tailored to your situation, let's talk.
Contact Kyle