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.
Run the official numbers with a licensed lender
This is for educational purposes only. For a real quote and accurate figures, use one of my preferred lenders' own tools:
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Kyle is not a licensed mortgage broker or lender.
These calculators are provided for educational purposes only. They are not loan quotes, pre-approvals, or financial advice, and the numbers will not match a real loan. For accurate figures, you must work with a licensed mortgage lender or broker, and with a licensed real estate professional, before making any decision.
Frequently asked questions
If you've got full entitlement, yeah, you can buy with nothing down. In 2026 there's no loan cap on full entitlement either, so your ceiling is what a lender approves, not some VA limit. You'll still have closing costs, but a lot of the time we get the seller to cover part of that. I've got a VA loan on my own place in Shreveport, so this isn't theory for me.
It's a one-time fee that keeps the program funded for the next guy in line. First purchase with nothing down it's 2.15% of the loan, 3.30% if you've used your benefit before, and it drops if you put money down. Here's the part a lot of vets miss: if you draw VA disability compensation, you're probably exempt from it entirely. We check that early.
Straight answer: some sellers get nervous about VA offers because of the appraisal and the minimum property requirements, which can mean repairs on their end. That's real and I won't pretend it isn't. But a clean, well-structured VA offer competes fine, and the cooler 2026 market has sellers more willing to work with you. My job is to present it so that friction doesn't spook them.
Want a personalized breakdown?
These tools give estimates. For real numbers tailored to your situation, let's talk.
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