Free Tool for Veterans

VA Loan Payment Calculator

Estimate your monthly VA loan payment including the VA funding fee. VA loans require no down payment and no PMI.

For veterans, active-duty service members, and eligible surviving spouses in Washington and Idaho.

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VA loans allow 0% down. More down reduces or eliminates the funding fee.

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Affects VA funding fee rate. Exempt if receiving VA disability compensation.

Est. Monthly Payment (P&I)
$0
Includes funding fee rolled into loan
Home Price$0
Base Loan Amount$0
VA Funding Fee$0
Total Loan Amount$0
Funding Fee Rate0%
PMI Savings vs. Conventional
$0/mo
Estimated PMI you avoid by using a VA loan (vs 0% down conventional with ~1% PMI)

Funding fee rates based on 2024-2025 VA guidelines. Exempt if receiving VA disability. Does not include property taxes, insurance, or HOA. Estimate only.

Learn More About VA Loans →
VA Funding Fee Reference

2024-2025 VA Funding Fee Rates

Loan UsageDown PaymentFunding Fee
First-Time VA UseLess than 5%2.15%
First-Time VA Use5% to 9.99%1.50%
First-Time VA Use10% or more1.25%
Subsequent VA UseLess than 5%3.30%
Subsequent VA Use5% to 9.99%1.50%
Subsequent VA Use10% or more1.25%
Exemption: Veterans receiving VA disability compensation, surviving spouses of veterans who died in service or from service-connected disabilities, and active-duty service members who have received a Purple Heart are exempt from the funding fee entirely. Always verify your exemption status before closing.

Ready to use your VA benefit?

Chris Hendrickson has helped Washington and Idaho veterans close VA loans with no down payment and no PMI. Get a real rate in about 10 minutes.

Beeline Mortgage LLC | NMLS #1713379 | Chris Hendrickson NMLS #145552 | Licensed WA and ID

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