VA Loan Calculator 2026
Free VA loan calculator for veterans and military. Calculate payments with 0% down, no PMI, and competitive rates. VA funding fee included.
VA Loan Benefits
| Feature | VA Loan | Conventional | FHA |
|---|---|---|---|
| Down Payment | 0% | 3-20% | 3.5% |
| PMI/MIP | None | Yes (until 20%) | Yes (life of loan) |
| Interest Rates | Lowest available | Market rate | Market + MIP |
| Credit Score | No VA minimum (lenders: 580+) | 620-680 | 580 |
| Closing Cost Limits | Seller can pay all | Seller up to 3-6% | Seller up to 6% |
| Loan Limits | No limit (full entitlement) | $766,550 | $498,257 |
VA Funding Fee 2026
| Down Payment | First-Time Use | Subsequent Use |
|---|---|---|
| 0% down | 2.15% | 3.30% |
| 5-9.99% down | 1.50% | 1.50% |
| 10%+ down | 1.25% | 1.25% |
Exempt from funding fee: Veterans with service-connected disabilities (10%+), surviving spouses, Purple Heart recipients.
Who Qualifies for a VA Loan?
- 90+ days active duty during wartime
- 181+ days active duty during peacetime
- 6+ years in National Guard/Reserves
- Surviving spouse of veteran who died in service or from service-connected disability