Your VA loan payment, funding fee included

A VA loan can mean $0 down — but there's one number most payment calculators leave out: the VA funding fee. This calculator applies the correct fee for your situation automatically, rolls it into the loan, and shows your real monthly payment. Adjust anything and watch it update instantly.

Your numbers

Defaults show a $500,000 purchase with $0 down — adjust anything to match your situation.

Home price What the home you'd buy costs

$150k$1.5M

Down payment VA allows $0 down — a down payment also lowers your funding fee tier

0%40%

Interest rate Your estimated VA loan rate

3%12%

Loan term

VA loan use Have you used your VA loan benefit before?

Exempt from the VA funding fee? Veterans with a service-connected disability rating of 10% or more are exempt

With the exemption on, your funding fee is $0. Veterans with a service-connected disability rating of 10% or more are exempt from the VA funding fee — as are surviving spouses receiving Dependency and Indemnity Compensation (DIC).

Property taxes (optional, per year) Leave at $0 to leave taxes out of the payment

$0$20,000/yr

Homeowner's insurance (optional, per year) Leave at $0 to leave insurance out of the payment

$0$6,000/yr

Your VA loan breakdown

The funding fee tier is applied automatically based on your down payment and loan use.

Monthly principal & interest

On a total loan of $0.

Base loan amount Home price minus your down payment $0
VA funding fee — $0
Total loan amount Base loan with the funding fee financed in $0
Down payment Cash down at closing, before other closing costs $0

Why the funding fee?

The VA funding fee is a one-time charge that helps keep the VA loan program running — it's a big reason VA loans work with $0 down and no monthly mortgage insurance. Most buyers roll it into the loan, as shown here, so it adds only a modest amount to the monthly payment. Putting 5% or 10% down drops you into a lower fee tier.

Want your full numbers?

Get a no-pressure VA payment breakdown built around your actual situation — entitlement, funding fee, taxes, insurance, and loan options included. No obligation, just straight answers.

Chris Borg · (503) 481-1369 · chris.borg@edgehomefinance.com

Call (503) 481-1369 Email Chris

This calculator is an educational estimate only — not a loan offer, rate quote, or financial advice. Funding fee percentages shown are the VA's purchase-loan tiers in effect since April 7, 2023, and are applied to the base loan amount; the fee is assumed to be financed into the loan. Actual rates, fees, taxes, insurance, and loan terms will vary and are subject to change and to VA eligibility. Talk with Chris for numbers based on your specific situation and a current rate quote.