Calculator 08 of 09
VA Loan & Funding Fee Calculator
The VA funding fee, worked out from service category, down payment and prior use — then financed or paid.
Every figure produced here is illustrative and set for demonstration. Nothing on this page is a quote or an offer.
01The purchase
$0 down · $525,000 base loan
Otherwise it is paid at closing.
$3,679.37
Estimated monthly payment
No monthly mortgage insurance on a VA loan
- Principal & interest$3,258.5489%
- Property taxes$283.338%
- Insurance$137.504%
- HOA dues$0.000%
Base loan$525,000
Funding fee rate2.15%
Funding fee$11,288
Total loan amount$536,288
Putting 5% down would drop the fee to 1.50%, and 10% to 1.25% — worth comparing against keeping the cash.
02Balance against interest paid
03Principal and interest, year by year
04Every payment
360 payments · $1,173,074 paid · $636,787 of it interest
| Year | Payment | Interest | Principal | Interest to date | Balance |
|---|---|---|---|---|---|
| 1 | $39,102 | $32,669 | $6,433 | $32,669 | $529,854 |
| 2 | $39,102 | $32,264 | $6,839 | $64,933 | $523,015 |
| 3 | $39,102 | $31,833 | $7,270 | $96,766 | $515,746 |
| 4 | $39,102 | $31,375 | $7,728 | $128,140 | $508,018 |
| 5 | $39,102 | $30,888 | $8,214 | $159,028 | $499,804 |
| 6 | $39,102 | $30,371 | $8,732 | $189,399 | $491,072 |
| 7 | $39,102 | $29,820 | $9,282 | $219,219 | $481,790 |
| 8 | $39,102 | $29,236 | $9,867 | $248,455 | $471,923 |
| 9 | $39,102 | $28,614 | $10,488 | $277,069 | $461,434 |
| 10 | $39,102 | $27,953 | $11,149 | $305,023 | $450,285 |
| 11 | $39,102 | $27,251 | $11,852 | $332,273 | $438,434 |
| 12 | $39,102 | $26,504 | $12,598 | $358,778 | $425,836 |
| 13 | $39,102 | $25,711 | $13,392 | $384,488 | $412,444 |
| 14 | $39,102 | $24,867 | $14,236 | $409,355 | $398,208 |
| 15 | $39,102 | $23,970 | $15,132 | $433,325 | $383,076 |
| 16 | $39,102 | $23,017 | $16,086 | $456,342 | $366,990 |
| 17 | $39,102 | $22,003 | $17,099 | $478,346 | $349,891 |
| 18 | $39,102 | $20,926 | $18,176 | $499,272 | $331,715 |
| 19 | $39,102 | $19,781 | $19,321 | $519,053 | $312,394 |
| 20 | $39,102 | $18,564 | $20,539 | $537,617 | $291,855 |
| 21 | $39,102 | $17,270 | $21,832 | $554,887 | $270,022 |
| 22 | $39,102 | $15,895 | $23,208 | $570,781 | $246,815 |
| 23 | $39,102 | $14,432 | $24,670 | $585,214 | $222,145 |
| 24 | $39,102 | $12,878 | $26,224 | $598,092 | $195,920 |
| 25 | $39,102 | $11,226 | $27,876 | $609,318 | $168,044 |
| 26 | $39,102 | $9,470 | $29,632 | $618,788 | $138,412 |
| 27 | $39,102 | $7,603 | $31,499 | $626,392 | $106,912 |
| 28 | $39,102 | $5,619 | $33,484 | $632,010 | $73,429 |
| 29 | $39,102 | $3,509 | $35,593 | $635,520 | $37,835 |
| 30 | $39,102 | $1,267 | $37,835 | $636,787 | $0 |
Assumptions on this page
- Funding fee percentages are illustrative and follow the usual shape: lower with 5% or 10% down, higher on a subsequent use, zero where an exemption applies.
- Veterans receiving compensation for a service-connected disability, and some surviving spouses, are exempt. Select "exempt" to model that.
- VA loans carry no monthly mortgage insurance, which is why that line is absent from the payment.
- Entitlement, residual income and county limits are not modelled. A real quote checks the Certificate of Eligibility first.
Every rate, fee and figure here is illustrative and set for demonstration. Nothing on this page is a quote, an offer, a commitment to lend, or tax advice.