VA Home Loan Calculator

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!