VA Loan Calculator
Zero-down mortgage. No PMI. Funding fee waived if you get VA disability pay (10%+). See your monthly payment in seconds.
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Why VA loans win
- 0% down payment required (with full entitlement)
- No PMI ever, saves $100-$300/mo vs. conventional
- Funding fee waived for anyone receiving VA disability pay, even at 10% (saves $5K to $10K)
- Unlimited reuse, use it as many times as you have entitlement
- Lower rates than conventional loans on average
Common questions
What is the VA funding fee?
One-time fee that helps fund the VA loan program. With under 5% down it is 2.15% on first use and 3.3% after that. With 5% down it drops to 1.5%, and with 10% or more down it is 1.25%, for first or later use. Per 38 USC 3729(c), any veteran entitled to VA disability compensation is exempt, at any rating from 10% up. That includes veterans rated 100% Permanent & Total.
Do VA loans require PMI?
No, never. VA loans never require Private Mortgage Insurance, even at zero down. This is a major savings vs. conventional loans.
Can I use a VA loan more than once?
Yes, unlimited times, as long as you have remaining entitlement. With under 5% down the funding fee is higher on later uses (3.3% vs. 2.15%). With 5% or more down the fee is the same either way.
What's the maximum VA loan amount?
If you have full entitlement, there's no maximum (lender-permitting). Without full entitlement, the county conforming loan limit applies to your remaining entitlement ($832,750 for 2026 in most counties, higher in high-cost areas).