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VA Mortgage Calculator Excel

VA Mortgage Calculator excel with Taxes and Insurance and PMI to calculate monthly VA mortgage payments with amortization schedule. The VA loan calculator with funding fees has options for property tax, home insurance, payment frequency (monthly & bi-weekly), monthly HOA fees, and extra payments. This will be the only veteran mortgage calculator you need to calculate VA loan payments.

VA Loan Calculator

Home Value
$
Down Payment
Base Mortgage Amount
$
Loan Terms
Interest Rate
VA Funding Fee
%
Final Mortgage Amount
$
Property Tax (Yearly)
Home Insurance (Yearly)
HOA Fees (Monthly)
Payment Frequency
First Payment Date

Amortization schedule
Extra Payments
One Time
$ On Date
Monthly or Biweekly
$ Starting Date
Quarterly
$ Starting Date
Yearly
$ Starting Date


VA Mortgage Calculator Results

Home Value: $300,000.00
Mortgage Amount: $307,200.00
Monthly Principal & Interest: $1,649.12
Monthly Extra Payment: $0.00
Monthly Property Tax: $175.00
Monthly Home Insurance: $54.17
Monthly HOA Fees: $0.00
Total Monthly Payment:
$1,878.28
Total # Of Payments: 360
Start Date: Mar, 2024
Payoff Date: Feb, 2054
Down Payment: $0.00
Principal (includes funding fee): $307,200.00
Total Extra Payment: $0.00
Total Interest Paid: $286,481.77
Total Tax, Insurance and Fees: $82,500.00
Total of all Payments:
$676,181.77

VA Mortgage Amortization Schedule

Payment Date Payment # Interest Principal Tax, Insurance & Fees Total Payment Balance
Mar, 2024 1 $1,280.00 $369.12 $229.17 $1,878.28 $306,830.88
Apr, 2024 2 $1,278.46 $370.65 $229.17 $1,878.28 $306,460.23
May, 2024 3 $1,276.92 $372.20 $229.17 $1,878.28 $306,088.03
Jun, 2024 4 $1,275.37 $373.75 $229.17 $1,878.28 $305,714.28
Jul, 2024 5 $1,273.81 $375.31 $229.17 $1,878.28 $305,338.98
Aug, 2024 6 $1,272.25 $376.87 $229.17 $1,878.28 $304,962.11
Sep, 2024 7 $1,270.68 $378.44 $229.17 $1,878.28 $304,583.66
Oct, 2024 8 $1,269.10 $380.02 $229.17 $1,878.28 $304,203.65
Nov, 2024 9 $1,267.52 $381.60 $229.17 $1,878.28 $303,822.05
Dec, 2024 10 $1,265.93 $383.19 $229.17 $1,878.28 $303,438.86
Jan, 2025 11 $1,264.33 $384.79 $229.17 $1,878.28 $303,054.07
Feb, 2025 12 $1,262.73 $386.39 $229.17 $1,878.28 $302,667.68
Mar, 2025 13 $1,261.12 $388.00 $229.17 $1,878.28 $302,279.68
Apr, 2025 14 $1,259.50 $389.62 $229.17 $1,878.28 $301,890.06
May, 2025 15 $1,257.88 $391.24 $229.17 $1,878.28 $301,498.82
Jun, 2025 16 $1,256.25 $392.87 $229.17 $1,878.28 $301,105.95
Jul, 2025 17 $1,254.61 $394.51 $229.17 $1,878.28 $300,711.44
Aug, 2025 18 $1,252.96 $396.15 $229.17 $1,878.28 $300,315.29
Sep, 2025 19 $1,251.31 $397.80 $229.17 $1,878.28 $299,917.49
Oct, 2025 20 $1,249.66 $399.46 $229.17 $1,878.28 $299,518.03
Nov, 2025 21 $1,247.99 $401.12 $229.17 $1,878.28 $299,116.90
Dec, 2025 22 $1,246.32 $402.80 $229.17 $1,878.28 $298,714.11
Jan, 2026 23 $1,244.64 $404.47 $229.17 $1,878.28 $298,309.63
Feb, 2026 24 $1,242.96 $406.16 $229.17 $1,878.28 $297,903.47
Mar, 2026 25 $1,241.26 $407.85 $229.17 $1,878.28 $297,495.62
Apr, 2026 26 $1,239.57 $409.55 $229.17 $1,878.28 $297,086.07
May, 2026 27 $1,237.86 $411.26 $229.17 $1,878.28 $296,674.81
Jun, 2026 28 $1,236.15 $412.97 $229.17 $1,878.28 $296,261.84
Jul, 2026 29 $1,234.42 $414.69 $229.17 $1,878.28 $295,847.15
Aug, 2026 30 $1,232.70 $416.42 $229.17 $1,878.28 $295,430.73
Sep, 2026 31 $1,230.96 $418.15 $229.17 $1,878.28 $295,012.58
Oct, 2026 32 $1,229.22 $419.90 $229.17 $1,878.28 $294,592.68
Nov, 2026 33 $1,227.47 $421.65 $229.17 $1,878.28 $294,171.03
Dec, 2026 34 $1,225.71 $423.40 $229.17 $1,878.28 $293,747.63
Jan, 2027 35 $1,223.95 $425.17 $229.17 $1,878.28 $293,322.46
Feb, 2027 36 $1,222.18 $426.94 $229.17 $1,878.28 $292,895.52
Mar, 2027 37 $1,220.40 $428.72 $229.17 $1,878.28 $292,466.80
Apr, 2027 38 $1,218.61 $430.50 $229.17 $1,878.28 $292,036.30
May, 2027 39 $1,216.82 $432.30 $229.17 $1,878.28 $291,604.00
Jun, 2027 40 $1,215.02 $434.10 $229.17 $1,878.28 $291,169.90
Jul, 2027 41 $1,213.21 $435.91 $229.17 $1,878.28 $290,733.99
Aug, 2027 42 $1,211.39 $437.72 $229.17 $1,878.28 $290,296.27
Sep, 2027 43 $1,209.57 $439.55 $229.17 $1,878.28 $289,856.72
Oct, 2027 44 $1,207.74 $441.38 $229.17 $1,878.28 $289,415.34
Nov, 2027 45 $1,205.90 $443.22 $229.17 $1,878.28 $288,972.12
Dec, 2027 46 $1,204.05 $445.07 $229.17 $1,878.28 $288,527.06
Jan, 2028 47 $1,202.20 $446.92 $229.17 $1,878.28 $288,080.14
Feb, 2028 48 $1,200.33 $448.78 $229.17 $1,878.28 $287,631.36
Mar, 2028 49 $1,198.46 $450.65 $229.17 $1,878.28 $287,180.70
Apr, 2028 50 $1,196.59 $452.53 $229.17 $1,878.28 $286,728.17
May, 2028 51 $1,194.70 $454.42 $229.17 $1,878.28 $286,273.76
Jun, 2028 52 $1,192.81 $456.31 $229.17 $1,878.28 $285,817.45
Jul, 2028 53 $1,190.91 $458.21 $229.17 $1,878.28 $285,359.24
Aug, 2028 54 $1,189.00 $460.12 $229.17 $1,878.28 $284,899.12
Sep, 2028 55 $1,187.08 $462.04 $229.17 $1,878.28 $284,437.08
Oct, 2028 56 $1,185.15 $463.96 $229.17 $1,878.28 $283,973.12
Nov, 2028 57 $1,183.22 $465.89 $229.17 $1,878.28 $283,507.23
Dec, 2028 58 $1,181.28 $467.84 $229.17 $1,878.28 $283,039.39
Jan, 2029 59 $1,179.33 $469.79 $229.17 $1,878.28 $282,569.61
Feb, 2029 60 $1,177.37 $471.74 $229.17 $1,878.28 $282,097.86
Mar, 2029 61 $1,175.41 $473.71 $229.17 $1,878.28 $281,624.16
Apr, 2029 62 $1,173.43 $475.68 $229.17 $1,878.28 $281,148.47
May, 2029 63 $1,171.45 $477.66 $229.17 $1,878.28 $280,670.81
Jun, 2029 64 $1,169.46 $479.65 $229.17 $1,878.28 $280,191.16
Jul, 2029 65 $1,167.46 $481.65 $229.17 $1,878.28 $279,709.50
Aug, 2029 66 $1,165.46 $483.66 $229.17 $1,878.28 $279,225.84
Sep, 2029 67 $1,163.44 $485.68 $229.17 $1,878.28 $278,740.17
Oct, 2029 68 $1,161.42 $487.70 $229.17 $1,878.28 $278,252.47
Nov, 2029 69 $1,159.39 $489.73 $229.17 $1,878.28 $277,762.74
Dec, 2029 70 $1,157.34 $491.77 $229.17 $1,878.28 $277,270.97
Jan, 2030 71 $1,155.30 $493.82 $229.17 $1,878.28 $276,777.15
Feb, 2030 72 $1,153.24 $495.88 $229.17 $1,878.28 $276,281.27
Mar, 2030 73 $1,151.17 $497.94 $229.17 $1,878.28 $275,783.33
Apr, 2030 74 $1,149.10 $500.02 $229.17 $1,878.28 $275,283.31
May, 2030 75 $1,147.01 $502.10 $229.17 $1,878.28 $274,781.20
Jun, 2030 76 $1,144.92 $504.19 $229.17 $1,878.28 $274,277.01
Jul, 2030 77 $1,142.82 $506.30 $229.17 $1,878.28 $273,770.72
Aug, 2030 78 $1,140.71 $508.40 $229.17 $1,878.28 $273,262.31
Sep, 2030 79 $1,138.59 $510.52 $229.17 $1,878.28 $272,751.79
Oct, 2030 80 $1,136.47 $512.65 $229.17 $1,878.28 $272,239.14
Nov, 2030 81 $1,134.33 $514.79 $229.17 $1,878.28 $271,724.35
Dec, 2030 82 $1,132.18 $516.93 $229.17 $1,878.28 $271,207.42
Jan, 2031 83 $1,130.03 $519.09 $229.17 $1,878.28 $270,688.33
Feb, 2031 84 $1,127.87 $521.25 $229.17 $1,878.28 $270,167.09
Mar, 2031 85 $1,125.70 $523.42 $229.17 $1,878.28 $269,643.67
Apr, 2031 86 $1,123.52 $525.60 $229.17 $1,878.28 $269,118.07
May, 2031 87 $1,121.33 $527.79 $229.17 $1,878.28 $268,590.28
Jun, 2031 88 $1,119.13 $529.99 $229.17 $1,878.28 $268,060.29
Jul, 2031 89 $1,116.92 $532.20 $229.17 $1,878.28 $267,528.09
Aug, 2031 90 $1,114.70 $534.42 $229.17 $1,878.28 $266,993.67
Sep, 2031 91 $1,112.47 $536.64 $229.17 $1,878.28 $266,457.03
Oct, 2031 92 $1,110.24 $538.88 $229.17 $1,878.28 $265,918.15
Nov, 2031 93 $1,107.99 $541.12 $229.17 $1,878.28 $265,377.03
Dec, 2031 94 $1,105.74 $543.38 $229.17 $1,878.28 $264,833.65
Jan, 2032 95 $1,103.47 $545.64 $229.17 $1,878.28 $264,288.01
Feb, 2032 96 $1,101.20 $547.92 $229.17 $1,878.28 $263,740.09
Mar, 2032 97 $1,098.92 $550.20 $229.17 $1,878.28 $263,189.89
Apr, 2032 98 $1,096.62 $552.49 $229.17 $1,878.28 $262,637.40
May, 2032 99 $1,094.32 $554.79 $229.17 $1,878.28 $262,082.61
Jun, 2032 100 $1,092.01 $557.11 $229.17 $1,878.28 $261,525.50
Jul, 2032 101 $1,089.69 $559.43 $229.17 $1,878.28 $260,966.07
Aug, 2032 102 $1,087.36 $561.76 $229.17 $1,878.28 $260,404.32
Sep, 2032 103 $1,085.02 $564.10 $229.17 $1,878.28 $259,840.22
Oct, 2032 104 $1,082.67 $566.45 $229.17 $1,878.28 $259,273.77
Nov, 2032 105 $1,080.31 $568.81 $229.17 $1,878.28 $258,704.96
Dec, 2032 106 $1,077.94 $571.18 $229.17 $1,878.28 $258,133.78
Jan, 2033 107 $1,075.56 $573.56 $229.17 $1,878.28 $257,560.22
Feb, 2033 108 $1,073.17 $575.95 $229.17 $1,878.28 $256,984.28
Mar, 2033 109 $1,070.77 $578.35 $229.17 $1,878.28 $256,405.93
Apr, 2033 110 $1,068.36 $580.76 $229.17 $1,878.28 $255,825.17
May, 2033 111 $1,065.94 $583.18 $229.17 $1,878.28 $255,241.99
Jun, 2033 112 $1,063.51 $585.61 $229.17 $1,878.28 $254,656.38
Jul, 2033 113 $1,061.07 $588.05 $229.17 $1,878.28 $254,068.34
Aug, 2033 114 $1,058.62 $590.50 $229.17 $1,878.28 $253,477.84
Sep, 2033 115 $1,056.16 $592.96 $229.17 $1,878.28 $252,884.88
Oct, 2033 116 $1,053.69 $595.43 $229.17 $1,878.28 $252,289.45
Nov, 2033 117 $1,051.21 $597.91 $229.17 $1,878.28 $251,691.54
Dec, 2033 118 $1,048.71 $600.40 $229.17 $1,878.28 $251,091.14
Jan, 2034 119 $1,046.21 $602.90 $229.17 $1,878.28 $250,488.24
Feb, 2034 120 $1,043.70 $605.42 $229.17 $1,878.28 $249,882.82
Mar, 2034 121 $1,041.18 $607.94 $229.17 $1,878.28 $249,274.88
Apr, 2034 122 $1,038.65 $610.47 $229.17 $1,878.28 $248,664.41
May, 2034 123 $1,036.10 $613.01 $229.17 $1,878.28 $248,051.40
Jun, 2034 124 $1,033.55 $615.57 $229.17 $1,878.28 $247,435.83
Jul, 2034 125 $1,030.98 $618.13 $229.17 $1,878.28 $246,817.70
Aug, 2034 126 $1,028.41 $620.71 $229.17 $1,878.28 $246,196.99
Sep, 2034 127 $1,025.82 $623.30 $229.17 $1,878.28 $245,573.69
Oct, 2034 128 $1,023.22 $625.89 $229.17 $1,878.28 $244,947.80
Nov, 2034 129 $1,020.62 $628.50 $229.17 $1,878.28 $244,319.30
Dec, 2034 130 $1,018.00 $631.12 $229.17 $1,878.28 $243,688.18
Jan, 2035 131 $1,015.37 $633.75 $229.17 $1,878.28 $243,054.43
Feb, 2035 132 $1,012.73 $636.39 $229.17 $1,878.28 $242,418.04
Mar, 2035 133 $1,010.08 $639.04 $229.17 $1,878.28 $241,779.00
Apr, 2035 134 $1,007.41 $641.70 $229.17 $1,878.28 $241,137.30
May, 2035 135 $1,004.74 $644.38 $229.17 $1,878.28 $240,492.92
Jun, 2035 136 $1,002.05 $647.06 $229.17 $1,878.28 $239,845.86
Jul, 2035 137 $999.36 $649.76 $229.17 $1,878.28 $239,196.10
Aug, 2035 138 $996.65 $652.47 $229.17 $1,878.28 $238,543.64
Sep, 2035 139 $993.93 $655.18 $229.17 $1,878.28 $237,888.45
Oct, 2035 140 $991.20 $657.91 $229.17 $1,878.28 $237,230.54
Nov, 2035 141 $988.46 $660.66 $229.17 $1,878.28 $236,569.88
Dec, 2035 142 $985.71 $663.41 $229.17 $1,878.28 $235,906.47
Jan, 2036 143 $982.94 $666.17 $229.17 $1,878.28 $235,240.30
Feb, 2036 144 $980.17 $668.95 $229.17 $1,878.28 $234,571.35
Mar, 2036 145 $977.38 $671.74 $229.17 $1,878.28 $233,899.62
Apr, 2036 146 $974.58 $674.53 $229.17 $1,878.28 $233,225.08
May, 2036 147 $971.77 $677.34 $229.17 $1,878.28 $232,547.74
Jun, 2036 148 $968.95 $680.17 $229.17 $1,878.28 $231,867.57
Jul, 2036 149 $966.11 $683.00 $229.17 $1,878.28 $231,184.57
Aug, 2036 150 $963.27 $685.85 $229.17 $1,878.28 $230,498.72
Sep, 2036 151 $960.41 $688.70 $229.17 $1,878.28 $229,810.02
Oct, 2036 152 $957.54 $691.57 $229.17 $1,878.28 $229,118.45
Nov, 2036 153 $954.66 $694.46 $229.17 $1,878.28 $228,423.99
Dec, 2036 154 $951.77 $697.35 $229.17 $1,878.28 $227,726.64
Jan, 2037 155 $948.86 $700.26 $229.17 $1,878.28 $227,026.39
Feb, 2037 156 $945.94 $703.17 $229.17 $1,878.28 $226,323.21
Mar, 2037 157 $943.01 $706.10 $229.17 $1,878.28 $225,617.11
Apr, 2037 158 $940.07 $709.04 $229.17 $1,878.28 $224,908.06
May, 2037 159 $937.12 $712.00 $229.17 $1,878.28 $224,196.07
Jun, 2037 160 $934.15 $714.97 $229.17 $1,878.28 $223,481.10
Jul, 2037 161 $931.17 $717.94 $229.17 $1,878.28 $222,763.16
Aug, 2037 162 $928.18 $720.94 $229.17 $1,878.28 $222,042.22
Sep, 2037 163 $925.18 $723.94 $229.17 $1,878.28 $221,318.28
Oct, 2037 164 $922.16 $726.96 $229.17 $1,878.28 $220,591.32
Nov, 2037 165 $919.13 $729.99 $229.17 $1,878.28 $219,861.34
Dec, 2037 166 $916.09 $733.03 $229.17 $1,878.28 $219,128.31
Jan, 2038 167 $913.03 $736.08 $229.17 $1,878.28 $218,392.23
Feb, 2038 168 $909.97 $739.15 $229.17 $1,878.28 $217,653.08
Mar, 2038 169 $906.89 $742.23 $229.17 $1,878.28 $216,910.85
Apr, 2038 170 $903.80 $745.32 $229.17 $1,878.28 $216,165.53
May, 2038 171 $900.69 $748.43 $229.17 $1,878.28 $215,417.10
Jun, 2038 172 $897.57 $751.54 $229.17 $1,878.28 $214,665.56
Jul, 2038 173 $894.44 $754.68 $229.17 $1,878.28 $213,910.88
Aug, 2038 174 $891.30 $757.82 $229.17 $1,878.28 $213,153.06
Sep, 2038 175 $888.14 $760.98 $229.17 $1,878.28 $212,392.08
Oct, 2038 176 $884.97 $764.15 $229.17 $1,878.28 $211,627.94
Nov, 2038 177 $881.78 $767.33 $229.17 $1,878.28 $210,860.60
Dec, 2038 178 $878.59 $770.53 $229.17 $1,878.28 $210,090.07
Jan, 2039 179 $875.38 $773.74 $229.17 $1,878.28 $209,316.33
Feb, 2039 180 $872.15 $776.96 $229.17 $1,878.28 $208,539.37
Mar, 2039 181 $868.91 $780.20 $229.17 $1,878.28 $207,759.17
Apr, 2039 182 $865.66 $783.45 $229.17 $1,878.28 $206,975.71
May, 2039 183 $862.40 $786.72 $229.17 $1,878.28 $206,189.00
Jun, 2039 184 $859.12 $790.00 $229.17 $1,878.28 $205,399.00
Jul, 2039 185 $855.83 $793.29 $229.17 $1,878.28 $204,605.71
Aug, 2039 186 $852.52 $796.59 $229.17 $1,878.28 $203,809.12
Sep, 2039 187 $849.20 $799.91 $229.17 $1,878.28 $203,009.21
Oct, 2039 188 $845.87 $803.24 $229.17 $1,878.28 $202,205.97
Nov, 2039 189 $842.52 $806.59 $229.17 $1,878.28 $201,399.37
Dec, 2039 190 $839.16 $809.95 $229.17 $1,878.28 $200,589.42
Jan, 2040 191 $835.79 $813.33 $229.17 $1,878.28 $199,776.10
Feb, 2040 192 $832.40 $816.72 $229.17 $1,878.28 $198,959.38
Mar, 2040 193 $829.00 $820.12 $229.17 $1,878.28 $198,139.26
Apr, 2040 194 $825.58 $823.54 $229.17 $1,878.28 $197,315.73
May, 2040 195 $822.15 $826.97 $229.17 $1,878.28 $196,488.76
Jun, 2040 196 $818.70 $830.41 $229.17 $1,878.28 $195,658.35
Jul, 2040 197 $815.24 $833.87 $229.17 $1,878.28 $194,824.47
Aug, 2040 198 $811.77 $837.35 $229.17 $1,878.28 $193,987.13
Sep, 2040 199 $808.28 $840.84 $229.17 $1,878.28 $193,146.29
Oct, 2040 200 $804.78 $844.34 $229.17 $1,878.28 $192,301.95
Nov, 2040 201 $801.26 $847.86 $229.17 $1,878.28 $191,454.09
Dec, 2040 202 $797.73 $851.39 $229.17 $1,878.28 $190,602.70
Jan, 2041 203 $794.18 $854.94 $229.17 $1,878.28 $189,747.76
Feb, 2041 204 $790.62 $858.50 $229.17 $1,878.28 $188,889.26
Mar, 2041 205 $787.04 $862.08 $229.17 $1,878.28 $188,027.18
Apr, 2041 206 $783.45 $865.67 $229.17 $1,878.28 $187,161.51
May, 2041 207 $779.84 $869.28 $229.17 $1,878.28 $186,292.24
Jun, 2041 208 $776.22 $872.90 $229.17 $1,878.28 $185,419.34
Jul, 2041 209 $772.58 $876.54 $229.17 $1,878.28 $184,542.80
Aug, 2041 210 $768.93 $880.19 $229.17 $1,878.28 $183,662.62
Sep, 2041 211 $765.26 $883.86 $229.17 $1,878.28 $182,778.76
Oct, 2041 212 $761.58 $887.54 $229.17 $1,878.28 $181,891.22
Nov, 2041 213 $757.88 $891.24 $229.17 $1,878.28 $180,999.99
Dec, 2041 214 $754.17 $894.95 $229.17 $1,878.28 $180,105.04
Jan, 2042 215 $750.44 $898.68 $229.17 $1,878.28 $179,206.36
Feb, 2042 216 $746.69 $902.42 $229.17 $1,878.28 $178,303.94
Mar, 2042 217 $742.93 $906.18 $229.17 $1,878.28 $177,397.75
Apr, 2042 218 $739.16 $909.96 $229.17 $1,878.28 $176,487.80
May, 2042 219 $735.37 $913.75 $229.17 $1,878.28 $175,574.05
Jun, 2042 220 $731.56 $917.56 $229.17 $1,878.28 $174,656.49
Jul, 2042 221 $727.74 $921.38 $229.17 $1,878.28 $173,735.11
Aug, 2042 222 $723.90 $925.22 $229.17 $1,878.28 $172,809.89
Sep, 2042 223 $720.04 $929.07 $229.17 $1,878.28 $171,880.81
Oct, 2042 224 $716.17 $932.95 $229.17 $1,878.28 $170,947.87
Nov, 2042 225 $712.28 $936.83 $229.17 $1,878.28 $170,011.03
Dec, 2042 226 $708.38 $940.74 $229.17 $1,878.28 $169,070.30
Jan, 2043 227 $704.46 $944.66 $229.17 $1,878.28 $168,125.64
Feb, 2043 228 $700.52 $948.59 $229.17 $1,878.28 $167,177.05
Mar, 2043 229 $696.57 $952.54 $229.17 $1,878.28 $166,224.50
Apr, 2043 230 $692.60 $956.51 $229.17 $1,878.28 $165,267.99
May, 2043 231 $688.62 $960.50 $229.17 $1,878.28 $164,307.49
Jun, 2043 232 $684.61 $964.50 $229.17 $1,878.28 $163,342.99
Jul, 2043 233 $680.60 $968.52 $229.17 $1,878.28 $162,374.47
Aug, 2043 234 $676.56 $972.56 $229.17 $1,878.28 $161,401.91
Sep, 2043 235 $672.51 $976.61 $229.17 $1,878.28 $160,425.30
Oct, 2043 236 $668.44 $980.68 $229.17 $1,878.28 $159,444.63
Nov, 2043 237 $664.35 $984.76 $229.17 $1,878.28 $158,459.86
Dec, 2043 238 $660.25 $988.87 $229.17 $1,878.28 $157,471.00
Jan, 2044 239 $656.13 $992.99 $229.17 $1,878.28 $156,478.01
Feb, 2044 240 $651.99 $997.12 $229.17 $1,878.28 $155,480.89
Mar, 2044 241 $647.84 $1,001.28 $229.17 $1,878.28 $154,479.61
Apr, 2044 242 $643.67 $1,005.45 $229.17 $1,878.28 $153,474.16
May, 2044 243 $639.48 $1,009.64 $229.17 $1,878.28 $152,464.52
Jun, 2044 244 $635.27 $1,013.85 $229.17 $1,878.28 $151,450.67
Jul, 2044 245 $631.04 $1,018.07 $229.17 $1,878.28 $150,432.60
Aug, 2044 246 $626.80 $1,022.31 $229.17 $1,878.28 $149,410.28
Sep, 2044 247 $622.54 $1,026.57 $229.17 $1,878.28 $148,383.71
Oct, 2044 248 $618.27 $1,030.85 $229.17 $1,878.28 $147,352.86
Nov, 2044 249 $613.97 $1,035.15 $229.17 $1,878.28 $146,317.71
Dec, 2044 250 $609.66 $1,039.46 $229.17 $1,878.28 $145,278.25
Jan, 2045 251 $605.33 $1,043.79 $229.17 $1,878.28 $144,234.46
Feb, 2045 252 $600.98 $1,048.14 $229.17 $1,878.28 $143,186.33
Mar, 2045 253 $596.61 $1,052.51 $229.17 $1,878.28 $142,133.82
Apr, 2045 254 $592.22 $1,056.89 $229.17 $1,878.28 $141,076.93
May, 2045 255 $587.82 $1,061.30 $229.17 $1,878.28 $140,015.63
Jun, 2045 256 $583.40 $1,065.72 $229.17 $1,878.28 $138,949.91
Jul, 2045 257 $578.96 $1,070.16 $229.17 $1,878.28 $137,879.76
Aug, 2045 258 $574.50 $1,074.62 $229.17 $1,878.28 $136,805.14
Sep, 2045 259 $570.02 $1,079.09 $229.17 $1,878.28 $135,726.04
Oct, 2045 260 $565.53 $1,083.59 $229.17 $1,878.28 $134,642.45
Nov, 2045 261 $561.01 $1,088.11 $229.17 $1,878.28 $133,554.35
Dec, 2045 262 $556.48 $1,092.64 $229.17 $1,878.28 $132,461.71
Jan, 2046 263 $551.92 $1,097.19 $229.17 $1,878.28 $131,364.52
Feb, 2046 264 $547.35 $1,101.76 $229.17 $1,878.28 $130,262.75
Mar, 2046 265 $542.76 $1,106.35 $229.17 $1,878.28 $129,156.40
Apr, 2046 266 $538.15 $1,110.96 $229.17 $1,878.28 $128,045.43
May, 2046 267 $533.52 $1,115.59 $229.17 $1,878.28 $126,929.84
Jun, 2046 268 $528.87 $1,120.24 $229.17 $1,878.28 $125,809.60
Jul, 2046 269 $524.21 $1,124.91 $229.17 $1,878.28 $124,684.69
Aug, 2046 270 $519.52 $1,129.60 $229.17 $1,878.28 $123,555.09
Sep, 2046 271 $514.81 $1,134.30 $229.17 $1,878.28 $122,420.79
Oct, 2046 272 $510.09 $1,139.03 $229.17 $1,878.28 $121,281.76
Nov, 2046 273 $505.34 $1,143.78 $229.17 $1,878.28 $120,137.98
Dec, 2046 274 $500.57 $1,148.54 $229.17 $1,878.28 $118,989.44
Jan, 2047 275 $495.79 $1,153.33 $229.17 $1,878.28 $117,836.12
Feb, 2047 276 $490.98 $1,158.13 $229.17 $1,878.28 $116,677.98
Mar, 2047 277 $486.16 $1,162.96 $229.17 $1,878.28 $115,515.03
Apr, 2047 278 $481.31 $1,167.80 $229.17 $1,878.28 $114,347.22
May, 2047 279 $476.45 $1,172.67 $229.17 $1,878.28 $113,174.55
Jun, 2047 280 $471.56 $1,177.56 $229.17 $1,878.28 $111,997.00
Jul, 2047 281 $466.65 $1,182.46 $229.17 $1,878.28 $110,814.54
Aug, 2047 282 $461.73 $1,187.39 $229.17 $1,878.28 $109,627.15
Sep, 2047 283 $456.78 $1,192.34 $229.17 $1,878.28 $108,434.81
Oct, 2047 284 $451.81 $1,197.30 $229.17 $1,878.28 $107,237.51
Nov, 2047 285 $446.82 $1,202.29 $229.17 $1,878.28 $106,035.21
Dec, 2047 286 $441.81 $1,207.30 $229.17 $1,878.28 $104,827.91
Jan, 2048 287 $436.78 $1,212.33 $229.17 $1,878.28 $103,615.58
Feb, 2048 288 $431.73 $1,217.38 $229.17 $1,878.28 $102,398.19
Mar, 2048 289 $426.66 $1,222.46 $229.17 $1,878.28 $101,175.74
Apr, 2048 290 $421.57 $1,227.55 $229.17 $1,878.28 $99,948.19
May, 2048 291 $416.45 $1,232.67 $229.17 $1,878.28 $98,715.52
Jun, 2048 292 $411.31 $1,237.80 $229.17 $1,878.28 $97,477.72
Jul, 2048 293 $406.16 $1,242.96 $229.17 $1,878.28 $96,234.76
Aug, 2048 294 $400.98 $1,248.14 $229.17 $1,878.28 $94,986.62
Sep, 2048 295 $395.78 $1,253.34 $229.17 $1,878.28 $93,733.29
Oct, 2048 296 $390.56 $1,258.56 $229.17 $1,878.28 $92,474.72
Nov, 2048 297 $385.31 $1,263.80 $229.17 $1,878.28 $91,210.92
Dec, 2048 298 $380.05 $1,269.07 $229.17 $1,878.28 $89,941.85
Jan, 2049 299 $374.76 $1,274.36 $229.17 $1,878.28 $88,667.49
Feb, 2049 300 $369.45 $1,279.67 $229.17 $1,878.28 $87,387.82
Mar, 2049 301 $364.12 $1,285.00 $229.17 $1,878.28 $86,102.82
Apr, 2049 302 $358.76 $1,290.35 $229.17 $1,878.28 $84,812.47
May, 2049 303 $353.39 $1,295.73 $229.17 $1,878.28 $83,516.74
Jun, 2049 304 $347.99 $1,301.13 $229.17 $1,878.28 $82,215.61
Jul, 2049 305 $342.57 $1,306.55 $229.17 $1,878.28 $80,909.06
Aug, 2049 306 $337.12 $1,311.99 $229.17 $1,878.28 $79,597.06
Sep, 2049 307 $331.65 $1,317.46 $229.17 $1,878.28 $78,279.60
Oct, 2049 308 $326.17 $1,322.95 $229.17 $1,878.28 $76,956.65
Nov, 2049 309 $320.65 $1,328.46 $229.17 $1,878.28 $75,628.19
Dec, 2049 310 $315.12 $1,334.00 $229.17 $1,878.28 $74,294.19
Jan, 2050 311 $309.56 $1,339.56 $229.17 $1,878.28 $72,954.63
Feb, 2050 312 $303.98 $1,345.14 $229.17 $1,878.28 $71,609.49
Mar, 2050 313 $298.37 $1,350.74 $229.17 $1,878.28 $70,258.75
Apr, 2050 314 $292.74 $1,356.37 $229.17 $1,878.28 $68,902.38
May, 2050 315 $287.09 $1,362.02 $229.17 $1,878.28 $67,540.36
Jun, 2050 316 $281.42 $1,367.70 $229.17 $1,878.28 $66,172.66
Jul, 2050 317 $275.72 $1,373.40 $229.17 $1,878.28 $64,799.26
Aug, 2050 318 $270.00 $1,379.12 $229.17 $1,878.28 $63,420.14
Sep, 2050 319 $264.25 $1,384.87 $229.17 $1,878.28 $62,035.28
Oct, 2050 320 $258.48 $1,390.64 $229.17 $1,878.28 $60,644.64
Nov, 2050 321 $252.69 $1,396.43 $229.17 $1,878.28 $59,248.21
Dec, 2050 322 $246.87 $1,402.25 $229.17 $1,878.28 $57,845.96
Jan, 2051 323 $241.02 $1,408.09 $229.17 $1,878.28 $56,437.87
Feb, 2051 324 $235.16 $1,413.96 $229.17 $1,878.28 $55,023.91
Mar, 2051 325 $229.27 $1,419.85 $229.17 $1,878.28 $53,604.06
Apr, 2051 326 $223.35 $1,425.77 $229.17 $1,878.28 $52,178.30
May, 2051 327 $217.41 $1,431.71 $229.17 $1,878.28 $50,746.59
Jun, 2051 328 $211.44 $1,437.67 $229.17 $1,878.28 $49,308.92
Jul, 2051 329 $205.45 $1,443.66 $229.17 $1,878.28 $47,865.26
Aug, 2051 330 $199.44 $1,449.68 $229.17 $1,878.28 $46,415.58
Sep, 2051 331 $193.40 $1,455.72 $229.17 $1,878.28 $44,959.86
Oct, 2051 332 $187.33 $1,461.78 $229.17 $1,878.28 $43,498.08
Nov, 2051 333 $181.24 $1,467.87 $229.17 $1,878.28 $42,030.20
Dec, 2051 334 $175.13 $1,473.99 $229.17 $1,878.28 $40,556.21
Jan, 2052 335 $168.98 $1,480.13 $229.17 $1,878.28 $39,076.08
Feb, 2052 336 $162.82 $1,486.30 $229.17 $1,878.28 $37,589.78
Mar, 2052 337 $156.62 $1,492.49 $229.17 $1,878.28 $36,097.29
Apr, 2052 338 $150.41 $1,498.71 $229.17 $1,878.28 $34,598.58
May, 2052 339 $144.16 $1,504.96 $229.17 $1,878.28 $33,093.63
Jun, 2052 340 $137.89 $1,511.23 $229.17 $1,878.28 $31,582.40
Jul, 2052 341 $131.59 $1,517.52 $229.17 $1,878.28 $30,064.88
Aug, 2052 342 $125.27 $1,523.85 $229.17 $1,878.28 $28,541.03
Sep, 2052 343 $118.92 $1,530.20 $229.17 $1,878.28 $27,010.84
Oct, 2052 344 $112.55 $1,536.57 $229.17 $1,878.28 $25,474.27
Nov, 2052 345 $106.14 $1,542.97 $229.17 $1,878.28 $23,931.29
Dec, 2052 346 $99.71 $1,549.40 $229.17 $1,878.28 $22,381.89
Jan, 2053 347 $93.26 $1,555.86 $229.17 $1,878.28 $20,826.03
Feb, 2053 348 $86.78 $1,562.34 $229.17 $1,878.28 $19,263.69
Mar, 2053 349 $80.27 $1,568.85 $229.17 $1,878.28 $17,694.84
Apr, 2053 350 $73.73 $1,575.39 $229.17 $1,878.28 $16,119.45
May, 2053 351 $67.16 $1,581.95 $229.17 $1,878.28 $14,537.50
Jun, 2053 352 $60.57 $1,588.54 $229.17 $1,878.28 $12,948.96
Jul, 2053 353 $53.95 $1,595.16 $229.17 $1,878.28 $11,353.80
Aug, 2053 354 $47.31 $1,601.81 $229.17 $1,878.28 $9,751.99
Sep, 2053 355 $40.63 $1,608.48 $229.17 $1,878.28 $8,143.50
Oct, 2053 356 $33.93 $1,615.18 $229.17 $1,878.28 $6,528.32
Nov, 2053 357 $27.20 $1,621.91 $229.17 $1,878.28 $4,906.40
Dec, 2053 358 $20.44 $1,628.67 $229.17 $1,878.28 $3,277.73
Jan, 2054 359 $13.66 $1,635.46 $229.17 $1,878.28 $1,642.27
Feb, 2054 360 $6.84 $1,642.27 $229.17 $1,878.28 $0.00

Compare Monthly vs. Bi-weekly

Payment Frequency Monthly Bi-weekly
Payments / Year 12 26
Each Payment $1,878.28 $930.33
Total Extra Payments $0.00 $0.00
Total Interest $286,481.77 $233,754.06
Total Tax, Insurance & Fees $82,500.00 $69,278.85
Total Payment $676,181.77 $610,232.91
Total Savings $0 $65,948.86
Payoff Date Feb, 2054 Apr, 2049

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VA Loan Calculator with Funding Fee

VA loans have a funding fee that varies from 0% to 3.3% depending on different factors such as the type of home, veteran's military experience, down payment amount, and whether you had a VA loan in the past. The VA funding fee calculator will add your funding fee to the loan or the base mortgage amount.


VA Mortgage Calculator with Taxes

The VA amortization calculator with taxes and insurance and PMI is easy to use with breakdowns of every payment showing in the mortgage amortization schedule with monthly and biweekly payment options. The VA loan calculator with funding fee also offers extra payment options that show you how much faster you can pay off the mortgage if you are making regular extra payments. The extra payment can be a one time payment, yearly, quarterly, or every payment (monthly or biweekly). VA Loans are backed by the government and offer 0% down for qualified borrowers. Unlike conventional loans, VA loans don't require PMI. Private mortgage insurance or PMI is required for conventional loans when the down payment is less than 20%. Also, VA loans have more competitive interest rates than conventional loans.


What is a VA loan?

Veterans Affairs or VA Loans are backed by the government and offer 0% down for veterans and military families. Unlike conventional loans, VA loans don't require monthly mortgage insurance payments. For conventional mortgages, private mortgage insurance or PMI is required, which is a mortgage insurance payment that borrowers need to pay monthly when their down payment is less than 20%. Also, the credit score requirement for VA loans is much lower. VA and USDA loans are the only types of loans that allows you to finance 100% of a home.



How do VA loans work?

VA loans are issued by private lenders with authority from the VA and are guaranteed by the U.S. Department of Veterans Affairs. VA determines which lenders are qualified to issue VA loans. The VA loan is designed to help a veteran and his family to buy a house, therefore, the requirement is much lower than a conventional mortgage. Here are a few benefits that VA loans offer.

  • 0% Down Payment - Conventional mortgage requires a minimum 3% down payment, and FHA loans require a 3.5% down payment. VA loans are the only type of loans that allows you to finance 100%.

  • Lower Credit Score Requirement - To qualify for a conventional mortgage, the lender requires you to have at least a 620 credit score.

  • Lower Interest Rate - Competitive interest rates are offered for VA loans than conventional mortgages.

  • No Monthly Mortgage Insurance Payment - VA loan is the only loan type that doesn't require a monthly mortgage insurance payment when your down payment is less than 20%. Both conventional mortgage and FHA loans require borrowers to pay mortgage insurance when their equity in the house is less than 20%.

  • Easier to Qualify - Since VA loans have a much lower requirement, it is much easier to get once you provide proof that you are a veteran or service member.

How to apply for VA loans?

Not all VA who served in the military qualify for VA loans, there are specific requirements that a borrower needs to meet to be eligible for VA loans. Before you start applying for VA loans, make sure that you are qualified and have proof that you qualify.


Who qualifies for a VA loan?

To qualify, you need to meet at least one of the following requirements.

  • 90 total days on active duty - can be less if you were discharged because of a service-connected disability.

  • 181 continuous days in service - can be less if you were discharged because of a service-connected disability.

  • 6 years of service in the National Guard or Reserves

  • Spouse - You are the surviving spouse of a Veteran or the spouse of a Veteran who's missing in action or being held as a prisoner of war.

To see the full requirement, you can visit the government VA site to learn more about eligibility for VA loans.



What Is A Certificate of Eligibility?

A Certificate of Eligibility or COE is a document that proves you are qualified for VA loans based on your service history and duty status. Without the COE document, lenders are not able to give you a VA loan.


How to get a Certificate of Eligibility?

To get a Certificate of Eligibility, you must provide documents that prove that you are a veteran or service member.


  • Veteran - If you are a veteran, you'll need a copy of your discharge or separation papers (DD214).

  • Service Member - If you are an active duty service member, you will need a statement of service signed by your commander or personnel officer with your full name, social security number, date of birth, the date you entered duty, duration of any lost time, and the name of the command providing the information.

To see a full list of documents that you need, visit the government page on How to Apply For a VA Home, or if you already know what you need, you can apply for the COE online. After you get the COE, you may now go shop around and find a lender that can issue VA loans.


Minimum credit score for VA loan

There is no minimum credit score set by VA to insure mortgages. However, lenders have their own standard to issue VA loans. Most VA lenders approve VA loans if your credit score is in the range of 580-620. In some cases, lenders approve VA loans with credit scores even lower than 580, you will need to shop around to find out. Conventional mortgages usually require a minimum credit score of 620, and even with a credit score of 620, the borrower will not get a competitive interest rate. Therefore, if you qualify for VA loans, congratulations, as this is the best type of mortgage that you can get.

VA Loan Closing Costs Calculator
Jumbo VA Loan Calculator
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FHA Cash Out Refinance Calculator

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