VA Loan Calculator
Zero-down mortgage. No PMI. Funding fee waived for 30%+ disability ratings. 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 at 30%+ disability rating (saves $5K-$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 (typically 2.15% first use, 3.3% subsequent) that helps fund the VA loan program. Per 38 USC 3729(c), veterans with service-connected disability compensation are exempt. Veterans rated 100% Permanent & Total always qualify for the waiver.
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. Funding fee is slightly higher on subsequent uses (3.3% vs. 2.15%).
What's the maximum VA loan amount?
If you have full entitlement, there's no maximum (lender-permitting). Without full entitlement, conforming loan limits apply (~$806,500 for 2026 in most counties).