VA Affordability Calculator
Estimate your payment, VA funding fee, and how much home you can afford based on your income and debts.
Income and Debts
Car payments, student loans, credit cards, etc.
Loan Details
VA loans typically require $0 down
Conventional rate: Freddie Mac PMMS® via FRED/St. Louis Fed. VA rate estimate = conventional benchmark minus 0.40% — VA loans typically carry lower rates due to the government guarantee, but your actual rate depends on credit, loan amount, and market conditions at time of lock. Not a rate quote or commitment to lend.
Monthly Costs
Leave at $0 if no HOA
VA Funding Fee
10% or greater rating waives the VA funding fee entirely
First use: 2.15% fee — Any subsequent use: 3.3% fee
Estimated Monthly Payment
$2,610
/month (PITI + HOA)
Estimates only. Actual rates, terms, and payments may vary.
Antonio Acosta
NMLS# 1662255
