VA Purchase Calculator
A $0-down VA purchase with the funding fee where it actually lands.
0.0% down
Monthly Payment
$3,811
VA allowable DTI: 65% / 65%. Veterans receive zero PMI on this loan.
The schedule on the VA loan
Amortisation of the loan including the financed funding fee.
360 payments · principal overtakes interest at payment 228
| Period | Paid | Principal | Interest | Interest to date | Balance |
|---|---|---|---|---|---|
| Year 1 | $37,737.31 | $5,984.95 | $31,752.36 | $31,752 | $504,765 |
| Year 2 | $37,737.31 | $6,369.91 | $31,367.40 | $63,120 | $498,395 |
| Year 3 | $37,737.31 | $6,779.63 | $30,957.67 | $94,077 | $491,616 |
| Year 4 | $37,737.31 | $7,215.71 | $30,521.60 | $124,599 | $484,400 |
| Year 5 | $37,737.31 | $7,679.84 | $30,057.47 | $154,656 | $476,720 |
| Year 6 | $37,737.31 | $8,173.82 | $29,563.49 | $184,220 | $468,546 |
| Year 7 | $37,737.31 | $8,699.58 | $29,037.73 | $213,258 | $459,847 |
| Year 8 | $37,737.31 | $9,259.15 | $28,478.16 | $241,736 | $450,587 |
| Year 9 | $37,737.31 | $9,854.71 | $27,882.59 | $269,618 | $440,733 |
| Year 10 | $37,737.31 | $10,488.59 | $27,248.72 | $296,867 | $430,244 |
| Year 11 | $37,737.31 | $11,163.23 | $26,574.08 | $323,441 | $419,081 |
| Year 12 | $37,737.31 | $11,881.27 | $25,856.04 | $349,297 | $407,200 |
| Year 13 | $37,737.31 | $12,645.49 | $25,091.81 | $374,389 | $394,554 |
| Year 14 | $37,737.31 | $13,458.88 | $24,278.43 | $398,668 | $381,095 |
| Year 15 | $37,737.31 | $14,324.58 | $23,412.73 | $422,080 | $366,771 |
| Year 16 | $37,737.31 | $15,245.96 | $22,491.35 | $444,572 | $351,525 |
| Year 17 | $37,737.31 | $16,226.61 | $21,510.70 | $466,082 | $335,298 |
| Year 18 | $37,737.31 | $17,270.33 | $20,466.98 | $486,549 | $318,028 |
| Year 19 | $37,737.31 | $18,381.19 | $19,356.12 | $505,905 | $299,647 |
| Year 20 | $37,737.31 | $19,563.50 | $18,173.81 | $524,079 | $280,083 |
| Year 21 | $37,737.31 | $20,821.86 | $16,915.45 | $540,995 | $259,261 |
| Year 22 | $37,737.31 | $22,161.16 | $15,576.15 | $556,571 | $237,100 |
| Year 23 | $37,737.31 | $23,586.61 | $14,150.70 | $570,722 | $213,513 |
| Year 24 | $37,737.31 | $25,103.74 | $12,633.57 | $583,355 | $188,410 |
| Year 25 | $37,737.31 | $26,718.46 | $11,018.85 | $594,374 | $161,691 |
| Year 26 | $37,737.31 | $28,437.04 | $9,300.27 | $603,674 | $133,254 |
| Year 27 | $37,737.31 | $30,266.16 | $7,471.15 | $611,145 | $102,988 |
| Year 28 | $37,737.31 | $32,212.93 | $5,524.37 | $616,670 | $70,775 |
| Year 29 | $37,737.31 | $34,284.93 | $3,452.38 | $620,122 | $36,490 |
| Year 30 | $37,737.31 | $36,490.20 | $1,247.11 | $621,369 | $0 |
What this calculation assumes
- The funding fee is financed into the loan rather than paid in cash at closing.
- Funding fee percentages follow the published first-use and subsequent-use tiers; a service-connected disability exemption sets it to zero.
- VA loans carry no monthly mortgage insurance, so none is added here.
- Property tax and insurance are estimated from the percentages you enter.
Every rate, fee and premium on this page is illustrative and set by you, not quoted by us. Nothing here is an offer of credit or a commitment to lend.
Every input you change is written into the address of this page, so the link you copy reopens the calculator exactly as you left it.
How is the VA funding fee charged?
It is a one-time fee, usually financed into the loan rather than paid in cash, and the percentage depends on whether this is a first use and how much you put down. Veterans receiving compensation for a service-connected disability are generally exempt.
More guides in the learning centerNumbers are a starting point.
Bring yours to a loan officer and we will tell you which parts hold up and which ones move.
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