VA Home Loan Calculator
VA Home Loan Mortgage Calculator
Our VA loan calculator allows you to enter any interest rate.
To begin with we suggest that you begin with the current VA 30-Year Fixed Rate of: 5.500%*
*Find out more about current rates and assumptions and A.P.R.
Below is a quick video tutorial of how to use the calculator.
Veterans: You can now skip the guesswork! Use our VA loan calculator to accurately calculate the monthly payment on your new VA home loan.
Please remember that when using our VA home loan calculator, the results are specific calculations based on the information you entered. Your final loan payment, property taxes and insurance will vary slightly due to the subject property’s exact tax rate and your insurance company’s annual insurance premium.
Other influencing factors that may change this calculation are your actual closing date, your VA Funding Fee and your rate selection on the VA loan. There is always a “range” of rates to choses from! Lower rates have higher closing costs, and higher rates can produce zero closing cost options.
This can be an exciting time for you, especially if this is the first home purchase for you and your family! Using our VA loan mortgage calculator can help you answer several important questions, providing many benefits to your very important home purchase decision making process. Some of these benefits listed below are:
With this tool, you can get focused of what price range results in an affordable VA loan payment. Search for homes on our site and enter the price into the VA loan calculator. This exercise will help you determine your maximum comfort zone for your property price. And by inserting different down payments, you can determine your revised monthly payment and see if it fits into your overall family budget. If you’re not sure if you can qualify for your desired payment, we recommend using our VA Home Affordability Calculator.
When you find that beautiful, perfect home for your family at the top end of your price range, you may question if you can really afford it. To help answer that question, you can simply access our easy-to-use VA Loan Calculator, enter in the sales price, down payment and desired VA interest rate, and instantly your payment, including your taxes and insurance are calculated for you.
You always want to “maximize the value of your home purchase.” You’ll definitely know when that is happening when you love the home AND you’re comfortable with the payment! With this valuable tool, you can adjust the purchase price and down payment to reflect the different monthly payments, and this will solve your budgeting questions. Then you can determine if this is the one - the home you really want to go after!
Keep in mind, property taxes vary across the United States. In California, the base rate for property taxes is typically 1.00%, the municipal assessments are added on top of that, often arriving at approximately 1.25% of the purchase price of the home. Mello Roos taxes in California can add to the base rate for a total property tax rate of as much as 2.50% of the price.
In other states, taxes can range from 1-4% of the value. So knowing what the tax rate is can be very helpful when budgeting for your total loan payment.
VA loan rates can and will change affecting your projected monthly payments and affordability. The change in rates may also affect market conditions increasing or decreasing buyer demands.
By using our VA Loan Rates Calculator and inserting different anticipated VA loan rates, you can retrieve a clear picture of how rate changes affect possible monthly payments and how that would affect your budgeting. And with every new set of purchase price, down payment and loan rate numbers, our VA Loan Calculator will automatically determine your monthly principle and interest payment and also your taxes and home owners insurance payments.
It’s time to use your #1 VA benefit! YOU earned it, defending the liberties and freedoms of our great county. Using our VA Home Loan Calculator will assist you in making your best home purchase decision.
To speak to one of our Sr. VA Loan Professionals, call 949-268-7742 today!
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