VA Mortgage Calculator

Estimate a VA purchase-loan payment including the applicable financed funding fee.
Results
Funding-fee rate
2.15 %
Financed funding fee
$6,450
Total financed loan
$306,450
Scheduled monthly payment
$1,837.32
Payments until payoff
360 months
Total principal and interest
$661,436.13
Total interest
$354,986.13
Amortization schedule (CSV)
Month,Payment,Interest,Principal,Balance
1,1837.32,1532.25,305.07,306144.93
2,1837.32,1530.72,306.60,305838.33
3,1837.32,1529.19,308.13,305530.20
4,1837.32,1527.65,309.67,305220.53
5,1837.32,1526.10,311.22,304909.31
6,1837.32,1524.55,312.78,304596.53
7,1837.32,1522.98,314.34,304282.19
8,1837.32,1521.41,315.91,303966.28
9,1837.32,1519.83,317.49,303648.79
10,1837.32,1518.24,319.08,303329.71
11,1837.32,1516.65,320.67,303009.04
12,1837.32,1515.05,322.28,302686.76
13,1837.32,1513.43,323.89,302362.87
14,1837.32,1511.81,325.51,302037.36
15,1837.32,1510.19,327.14,301710.23
16,1837.32,1508.55,328.77,301381.45
17,1837.32,1506.91,330.42,301051.04
18,1837.32,1505.26,332.07,300718.97
19,1837.32,1503.59,333.73,300385.24
20,1837.32,1501.93,335.40,300049.85
21,1837.32,1500.25,337.07,299712.77
22,1837.32,1498.56,338.76,299374.01
23,1837.32,1496.87,340.45,299033.56
24,1837.32,1495.17,342.15,298691.41
25,1837.32,1493.46,343.87,298347.54
26,1837.32,1491.74,345.58,298001.96
27,1837.32,1490.01,347.31,297654.64
28,1837.32,1488.27,349.05,297305.60
29,1837.32,1486.53,350.79,296954.80
30,1837.32,1484.77,352.55,296602.25
31,1837.32,1483.01,354.31,296247.94
32,1837.32,1481.24,356.08,295891.86
33,1837.32,1479.46,357.86,295533.99
34,1837.32,1477.67,359.65,295174.34
35,1837.32,1475.87,361.45,294812.89
36,1837.32,1474.06,363.26,294449.63
37,1837.32,1472.25,365.07,294084.56
38,1837.32,1470.42,366.90,293717.66
39,1837.32,1468.59,368.73,293348.92
40,1837.32,1466.74,370.58,292978.35
41,1837.32,1464.89,372.43,292605.92
42,1837.32,1463.03,374.29,292231.62
43,1837.32,1461.16,376.16,291855.46
44,1837.32,1459.28,378.05,291477.41
45,1837.32,1457.39,379.94,291097.48
46,1837.32,1455.49,381.84,290715.64
47,1837.32,1453.58,383.74,290331.90
48,1837.32,1451.66,385.66,289946.23
49,1837.32,1449.73,387.59,289558.64
50,1837.32,1447.79,389.53,289169.11
51,1837.32,1445.85,391.48,288777.64
52,1837.32,1443.89,393.43,288384.20
53,1837.32,1441.92,395.40,287988.80
54,1837.32,1439.94,397.38,287591.42
55,1837.32,1437.96,399.37,287192.06
56,1837.32,1435.96,401.36,286790.69
57,1837.32,1433.95,403.37,286387.33
58,1837.32,1431.94,405.39,285981.94
59,1837.32,1429.91,407.41,285574.53
60,1837.32,1427.87,409.45,285165.08
61,1837.32,1425.83,411.50,284753.58
62,1837.32,1423.77,413.55,284340.02
63,1837.32,1421.70,415.62,283924.40
64,1837.32,1419.62,417.70,283506.70
65,1837.32,1417.53,419.79,283086.91
66,1837.32,1415.43,421.89,282665.02
67,1837.32,1413.33,424.00,282241.03
68,1837.32,1411.21,426.12,281814.91
69,1837.32,1409.07,428.25,281386.66
70,1837.32,1406.93,430.39,280956.27
71,1837.32,1404.78,432.54,280523.73
72,1837.32,1402.62,434.70,280089.03
73,1837.32,1400.45,436.88,279652.15
74,1837.32,1398.26,439.06,279213.09
75,1837.32,1396.07,441.26,278771.83
76,1837.32,1393.86,443.46,278328.37
77,1837.32,1391.64,445.68,277882.69
78,1837.32,1389.41,447.91,277434.78
79,1837.32,1387.17,450.15,276984.63
80,1837.32,1384.92,452.40,276532.23
81,1837.32,1382.66,454.66,276077.57
82,1837.32,1380.39,456.93,275620.63
83,1837.32,1378.10,459.22,275161.41
84,1837.32,1375.81,461.52,274699.90
85,1837.32,1373.50,463.82,274236.07
86,1837.32,1371.18,466.14,273769.93
87,1837.32,1368.85,468.47,273301.46
88,1837.32,1366.51,470.82,272830.64
89,1837.32,1364.15,473.17,272357.48
90,1837.32,1361.79,475.54,271881.94
91,1837.32,1359.41,477.91,271404.03
92,1837.32,1357.02,480.30,270923.72
93,1837.32,1354.62,482.70,270441.02
94,1837.32,1352.21,485.12,269955.90
95,1837.32,1349.78,487.54,269468.36
96,1837.32,1347.34,489.98,268978.38
97,1837.32,1344.89,492.43,268485.95
98,1837.32,1342.43,494.89,267991.06
99,1837.32,1339.96,497.37,267493.69
100,1837.32,1337.47,499.85,266993.83
101,1837.32,1334.97,502.35,266491.48
102,1837.32,1332.46,504.87,265986.62
103,1837.32,1329.93,507.39,265479.23
104,1837.32,1327.40,509.93,264969.30
105,1837.32,1324.85,512.48,264456.82
106,1837.32,1322.28,515.04,263941.79
107,1837.32,1319.71,517.61,263424.17
108,1837.32,1317.12,520.20,262903.97
109,1837.32,1314.52,522.80,262381.17
110,1837.32,1311.91,525.42,261855.75
111,1837.32,1309.28,528.04,261327.71
112,1837.32,1306.64,530.68,260797.02
113,1837.32,1303.99,533.34,260263.69
114,1837.32,1301.32,536.00,259727.68
115,1837.32,1298.64,538.68,259189.00
116,1837.32,1295.94,541.38,258647.62
117,1837.32,1293.24,544.08,258103.53
118,1837.32,1290.52,546.80,257556.73
119,1837.32,1287.78,549.54,257007.19
120,1837.32,1285.04,552.29,256454.90
121,1837.32,1282.27,555.05,255899.86
122,1837.32,1279.50,557.82,255342.03
123,1837.32,1276.71,560.61,254781.42
124,1837.32,1273.91,563.42,254218.00
125,1837.32,1271.09,566.23,253651.77
126,1837.32,1268.26,569.06,253082.71
127,1837.32,1265.41,571.91,252510.80
128,1837.32,1262.55,574.77,251936.03
129,1837.32,1259.68,577.64,251358.39
130,1837.32,1256.79,580.53,250777.86
131,1837.32,1253.89,583.43,250194.42
132,1837.32,1250.97,586.35,249608.07
133,1837.32,1248.04,589.28,249018.79
134,1837.32,1245.09,592.23,248426.56
135,1837.32,1242.13,595.19,247831.37
136,1837.32,1239.16,598.17,247233.21
137,1837.32,1236.17,601.16,246632.05
138,1837.32,1233.16,604.16,246027.89
139,1837.32,1230.14,607.18,245420.71
140,1837.32,1227.10,610.22,244810.49
141,1837.32,1224.05,613.27,244197.22
142,1837.32,1220.99,616.34,243580.88
143,1837.32,1217.90,619.42,242961.46
144,1837.32,1214.81,622.52,242338.95
145,1837.32,1211.69,625.63,241713.32
146,1837.32,1208.57,628.76,241084.56
147,1837.32,1205.42,631.90,240452.66
148,1837.32,1202.26,635.06,239817.60
149,1837.32,1199.09,638.23,239179.37
150,1837.32,1195.90,641.43,238537.94
151,1837.32,1192.69,644.63,237893.31
152,1837.32,1189.47,647.86,237245.45
153,1837.32,1186.23,651.10,236594.36
154,1837.32,1182.97,654.35,235940.01
155,1837.32,1179.70,657.62,235282.39
156,1837.32,1176.41,660.91,234621.48
157,1837.32,1173.11,664.22,233957.26
158,1837.32,1169.79,667.54,233289.72
159,1837.32,1166.45,670.87,232618.85
160,1837.32,1163.09,674.23,231944.62
161,1837.32,1159.72,677.60,231267.02
162,1837.32,1156.34,680.99,230586.03
163,1837.32,1152.93,684.39,229901.64
164,1837.32,1149.51,687.81,229213.83
165,1837.32,1146.07,691.25,228522.57
166,1837.32,1142.61,694.71,227827.86
167,1837.32,1139.14,698.18,227129.68
168,1837.32,1135.65,701.67,226428.01
169,1837.32,1132.14,705.18,225722.82
170,1837.32,1128.61,708.71,225014.12
171,1837.32,1125.07,712.25,224301.86
172,1837.32,1121.51,715.81,223586.05
173,1837.32,1117.93,719.39,222866.66
174,1837.32,1114.33,722.99,222143.67
175,1837.32,1110.72,726.60,221417.06
176,1837.32,1107.09,730.24,220686.83
177,1837.32,1103.43,733.89,219952.94
178,1837.32,1099.76,737.56,219215.38
179,1837.32,1096.08,741.25,218474.14
180,1837.32,1092.37,744.95,217729.18
181,1837.32,1088.65,748.68,216980.51
182,1837.32,1084.90,752.42,216228.09
183,1837.32,1081.14,756.18,215471.90
184,1837.32,1077.36,759.96,214711.94
185,1837.32,1073.56,763.76,213948.18
186,1837.32,1069.74,767.58,213180.60
187,1837.32,1065.90,771.42,212409.18
188,1837.32,1062.05,775.28,211633.90
189,1837.32,1058.17,779.15,210854.75
190,1837.32,1054.27,783.05,210071.70
191,1837.32,1050.36,786.96,209284.74
192,1837.32,1046.42,790.90,208493.84
193,1837.32,1042.47,794.85,207698.98
194,1837.32,1038.49,798.83,206900.16
195,1837.32,1034.50,802.82,206097.33
196,1837.32,1030.49,806.84,205290.50
197,1837.32,1026.45,810.87,204479.63
198,1837.32,1022.40,814.92,203664.70
199,1837.32,1018.32,819.00,202845.70
200,1837.32,1014.23,823.09,202022.61
201,1837.32,1010.11,827.21,201195.40
202,1837.32,1005.98,831.35,200364.05
203,1837.32,1001.82,835.50,199528.55
204,1837.32,997.64,839.68,198688.87
205,1837.32,993.44,843.88,197844.99
206,1837.32,989.22,848.10,196996.90
207,1837.32,984.98,852.34,196144.56
208,1837.32,980.72,856.60,195287.96
209,1837.32,976.44,860.88,194427.08
210,1837.32,972.14,865.19,193561.89
211,1837.32,967.81,869.51,192692.38
212,1837.32,963.46,873.86,191818.51
213,1837.32,959.09,878.23,190940.28
214,1837.32,954.70,882.62,190057.66
215,1837.32,950.29,887.03,189170.63
216,1837.32,945.85,891.47,188279.16
217,1837.32,941.40,895.93,187383.23
218,1837.32,936.92,900.41,186482.83
219,1837.32,932.41,904.91,185577.92
220,1837.32,927.89,909.43,184668.49
221,1837.32,923.34,913.98,183754.51
222,1837.32,918.77,918.55,182835.96
223,1837.32,914.18,923.14,181912.81
224,1837.32,909.56,927.76,180985.05
225,1837.32,904.93,932.40,180052.66
226,1837.32,900.26,937.06,179115.60
227,1837.32,895.58,941.74,178173.85
228,1837.32,890.87,946.45,177227.40
229,1837.32,886.14,951.19,176276.21
230,1837.32,881.38,955.94,175320.27
231,1837.32,876.60,960.72,174359.55
232,1837.32,871.80,965.52,173394.03
233,1837.32,866.97,970.35,172423.67
234,1837.32,862.12,975.20,171448.47
235,1837.32,857.24,980.08,170468.39
236,1837.32,852.34,984.98,169483.41
237,1837.32,847.42,989.91,168493.50
238,1837.32,842.47,994.86,167498.65
239,1837.32,837.49,999.83,166498.82
240,1837.32,832.49,1004.83,165493.99
241,1837.32,827.47,1009.85,164484.14
242,1837.32,822.42,1014.90,163469.24
243,1837.32,817.35,1019.98,162449.26
244,1837.32,812.25,1025.08,161424.18
245,1837.32,807.12,1030.20,160393.98
246,1837.32,801.97,1035.35,159358.63
247,1837.32,796.79,1040.53,158318.10
248,1837.32,791.59,1045.73,157272.37
249,1837.32,786.36,1050.96,156221.41
250,1837.32,781.11,1056.22,155165.19
251,1837.32,775.83,1061.50,154103.69
252,1837.32,770.52,1066.80,153036.89
253,1837.32,765.18,1072.14,151964.75
254,1837.32,759.82,1077.50,150887.25
255,1837.32,754.44,1082.89,149804.37
256,1837.32,749.02,1088.30,148716.07
257,1837.32,743.58,1093.74,147622.32
258,1837.32,738.11,1099.21,146523.11
259,1837.32,732.62,1104.71,145418.41
260,1837.32,727.09,1110.23,144308.18
261,1837.32,721.54,1115.78,143192.39
262,1837.32,715.96,1121.36,142071.03
263,1837.32,710.36,1126.97,140944.07
264,1837.32,704.72,1132.60,139811.46
265,1837.32,699.06,1138.27,138673.20
266,1837.32,693.37,1143.96,137529.24
267,1837.32,687.65,1149.68,136379.56
268,1837.32,681.90,1155.42,135224.14
269,1837.32,676.12,1161.20,134062.94
270,1837.32,670.31,1167.01,132895.93
271,1837.32,664.48,1172.84,131723.09
272,1837.32,658.62,1178.71,130544.38
273,1837.32,652.72,1184.60,129359.78
274,1837.32,646.80,1190.52,128169.26
275,1837.32,640.85,1196.48,126972.78
276,1837.32,634.86,1202.46,125770.32
277,1837.32,628.85,1208.47,124561.85
278,1837.32,622.81,1214.51,123347.34
279,1837.32,616.74,1220.59,122126.75
280,1837.32,610.63,1226.69,120900.06
281,1837.32,604.50,1232.82,119667.24
282,1837.32,598.34,1238.99,118428.25
283,1837.32,592.14,1245.18,117183.07
284,1837.32,585.92,1251.41,115931.66
285,1837.32,579.66,1257.66,114674.00
286,1837.32,573.37,1263.95,113410.05
287,1837.32,567.05,1270.27,112139.78
288,1837.32,560.70,1276.62,110863.15
289,1837.32,554.32,1283.01,109580.14
290,1837.32,547.90,1289.42,108290.72
291,1837.32,541.45,1295.87,106994.85
292,1837.32,534.97,1302.35,105692.51
293,1837.32,528.46,1308.86,104383.65
294,1837.32,521.92,1315.40,103068.24
295,1837.32,515.34,1321.98,101746.26
296,1837.32,508.73,1328.59,100417.67
297,1837.32,502.09,1335.23,99082.43
298,1837.32,495.41,1341.91,97740.52
299,1837.32,488.70,1348.62,96391.90
300,1837.32,481.96,1355.36,95036.54
301,1837.32,475.18,1362.14,93674.40
302,1837.32,468.37,1368.95,92305.45
303,1837.32,461.53,1375.80,90929.66
304,1837.32,454.65,1382.67,89546.98
305,1837.32,447.73,1389.59,88157.39
306,1837.32,440.79,1396.54,86760.86
307,1837.32,433.80,1403.52,85357.34
308,1837.32,426.79,1410.54,83946.80
309,1837.32,419.73,1417.59,82529.21
310,1837.32,412.65,1424.68,81104.54
311,1837.32,405.52,1431.80,79672.74
312,1837.32,398.36,1438.96,78233.78
313,1837.32,391.17,1446.15,76787.63
314,1837.32,383.94,1453.38,75334.24
315,1837.32,376.67,1460.65,73873.59
316,1837.32,369.37,1467.95,72405.64
317,1837.32,362.03,1475.29,70930.34
318,1837.32,354.65,1482.67,69447.67
319,1837.32,347.24,1490.08,67957.59
320,1837.32,339.79,1497.53,66460.05
321,1837.32,332.30,1505.02,64955.03
322,1837.32,324.78,1512.55,63442.48
323,1837.32,317.21,1520.11,61922.37
324,1837.32,309.61,1527.71,60394.66
325,1837.32,301.97,1535.35,58859.31
326,1837.32,294.30,1543.03,57316.29
327,1837.32,286.58,1550.74,55765.54
328,1837.32,278.83,1558.49,54207.05
329,1837.32,271.04,1566.29,52640.76
330,1837.32,263.20,1574.12,51066.64
331,1837.32,255.33,1581.99,49484.65
332,1837.32,247.42,1589.90,47894.75
333,1837.32,239.47,1597.85,46296.91
334,1837.32,231.48,1605.84,44691.07
335,1837.32,223.46,1613.87,43077.20
336,1837.32,215.39,1621.94,41455.26
337,1837.32,207.28,1630.05,39825.22
338,1837.32,199.13,1638.20,38187.02
339,1837.32,190.94,1646.39,36540.63
340,1837.32,182.70,1654.62,34886.01
341,1837.32,174.43,1662.89,33223.12
342,1837.32,166.12,1671.21,31551.91
343,1837.32,157.76,1679.56,29872.35
344,1837.32,149.36,1687.96,28184.39
345,1837.32,140.92,1696.40,26487.99
346,1837.32,132.44,1704.88,24783.11
347,1837.32,123.92,1713.41,23069.70
348,1837.32,115.35,1721.97,21347.73
349,1837.32,106.74,1730.58,19617.14
350,1837.32,98.09,1739.24,17877.91
351,1837.32,89.39,1747.93,16129.97
352,1837.32,80.65,1756.67,14373.30
353,1837.32,71.87,1765.46,12607.84
354,1837.32,63.04,1774.28,10833.56
355,1837.32,54.17,1783.15,9050.41
356,1837.32,45.25,1792.07,7258.33
357,1837.32,36.29,1801.03,5457.30
358,1837.32,27.29,1810.04,3647.27
359,1837.32,18.24,1819.09,1828.18
360,1837.32,9.14,1828.18,0.00
How It Works

Purchase funding fee: under 5% down, 2.15% first use or 3.3% subsequent use; 5% to under 10% down, 1.5%; at least 10% down, 1.25%. Confirmed exemptions use zero.
Fee applies to the base loan after down payment and is financed in this model.
Scope and Limitations

Standard VA-backed purchase loan only. Excludes refinance/manufactured-home exceptions, taxes, insurance, lender fees, eligibility and residual-income underwriting. Confirm exemption and applicability with VA/lender.
Reference Sources

VA: funding fees and closing costs
FAQs

How does this calculator work?
Purchase funding fee: under 5% down, 2.15% first use or 3.3% subsequent use; 5% to under 10% down, 1.5%; at least 10% down, 1.25%. Confirmed exemptions use zero.
What assumptions should I check?
Standard VA-backed purchase loan only. Excludes refinance/manufactured-home exceptions, taxes, insurance, lender fees, eligibility and residual-income underwriting. Confirm exemption and applicability with VA/lender. Fee applies to the base loan after down payment and is financed in this model.