mortgage calculator

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: Jun, 2023
Payoff Date: May, 2053
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
Jun, 2023 1 $1,280.00 $369.12 $229.17 $1,878.28 $306,830.88
Jul, 2023 2 $1,278.46 $370.65 $229.17 $1,878.28 $306,460.23
Aug, 2023 3 $1,276.92 $372.20 $229.17 $1,878.28 $306,088.03
Sep, 2023 4 $1,275.37 $373.75 $229.17 $1,878.28 $305,714.28
Oct, 2023 5 $1,273.81 $375.31 $229.17 $1,878.28 $305,338.98
Nov, 2023 6 $1,272.25 $376.87 $229.17 $1,878.28 $304,962.11
Dec, 2023 7 $1,270.68 $378.44 $229.17 $1,878.28 $304,583.66
Jan, 2024 8 $1,269.10 $380.02 $229.17 $1,878.28 $304,203.65
Feb, 2024 9 $1,267.52 $381.60 $229.17 $1,878.28 $303,822.05
Mar, 2024 10 $1,265.93 $383.19 $229.17 $1,878.28 $303,438.86
Apr, 2024 11 $1,264.33 $384.79 $229.17 $1,878.28 $303,054.07
May, 2024 12 $1,262.73 $386.39 $229.17 $1,878.28 $302,667.68
Jun, 2024 13 $1,261.12 $388.00 $229.17 $1,878.28 $302,279.68
Jul, 2024 14 $1,259.50 $389.62 $229.17 $1,878.28 $301,890.06
Aug, 2024 15 $1,257.88 $391.24 $229.17 $1,878.28 $301,498.82
Sep, 2024 16 $1,256.25 $392.87 $229.17 $1,878.28 $301,105.95
Oct, 2024 17 $1,254.61 $394.51 $229.17 $1,878.28 $300,711.44
Nov, 2024 18 $1,252.96 $396.15 $229.17 $1,878.28 $300,315.29
Dec, 2024 19 $1,251.31 $397.80 $229.17 $1,878.28 $299,917.49
Jan, 2025 20 $1,249.66 $399.46 $229.17 $1,878.28 $299,518.03
Feb, 2025 21 $1,247.99 $401.12 $229.17 $1,878.28 $299,116.90
Mar, 2025 22 $1,246.32 $402.80 $229.17 $1,878.28 $298,714.11
Apr, 2025 23 $1,244.64 $404.47 $229.17 $1,878.28 $298,309.63
May, 2025 24 $1,242.96 $406.16 $229.17 $1,878.28 $297,903.47
Jun, 2025 25 $1,241.26 $407.85 $229.17 $1,878.28 $297,495.62
Jul, 2025 26 $1,239.57 $409.55 $229.17 $1,878.28 $297,086.07
Aug, 2025 27 $1,237.86 $411.26 $229.17 $1,878.28 $296,674.81
Sep, 2025 28 $1,236.15 $412.97 $229.17 $1,878.28 $296,261.84
Oct, 2025 29 $1,234.42 $414.69 $229.17 $1,878.28 $295,847.15
Nov, 2025 30 $1,232.70 $416.42 $229.17 $1,878.28 $295,430.73
Dec, 2025 31 $1,230.96 $418.15 $229.17 $1,878.28 $295,012.58
Jan, 2026 32 $1,229.22 $419.90 $229.17 $1,878.28 $294,592.68
Feb, 2026 33 $1,227.47 $421.65 $229.17 $1,878.28 $294,171.03
Mar, 2026 34 $1,225.71 $423.40 $229.17 $1,878.28 $293,747.63
Apr, 2026 35 $1,223.95 $425.17 $229.17 $1,878.28 $293,322.46
May, 2026 36 $1,222.18 $426.94 $229.17 $1,878.28 $292,895.52
Jun, 2026 37 $1,220.40 $428.72 $229.17 $1,878.28 $292,466.80
Jul, 2026 38 $1,218.61 $430.50 $229.17 $1,878.28 $292,036.30
Aug, 2026 39 $1,216.82 $432.30 $229.17 $1,878.28 $291,604.00
Sep, 2026 40 $1,215.02 $434.10 $229.17 $1,878.28 $291,169.90
Oct, 2026 41 $1,213.21 $435.91 $229.17 $1,878.28 $290,733.99
Nov, 2026 42 $1,211.39 $437.72 $229.17 $1,878.28 $290,296.27
Dec, 2026 43 $1,209.57 $439.55 $229.17 $1,878.28 $289,856.72
Jan, 2027 44 $1,207.74 $441.38 $229.17 $1,878.28 $289,415.34
Feb, 2027 45 $1,205.90 $443.22 $229.17 $1,878.28 $288,972.12
Mar, 2027 46 $1,204.05 $445.07 $229.17 $1,878.28 $288,527.06
Apr, 2027 47 $1,202.20 $446.92 $229.17 $1,878.28 $288,080.14
May, 2027 48 $1,200.33 $448.78 $229.17 $1,878.28 $287,631.36
Jun, 2027 49 $1,198.46 $450.65 $229.17 $1,878.28 $287,180.70
Jul, 2027 50 $1,196.59 $452.53 $229.17 $1,878.28 $286,728.17
Aug, 2027 51 $1,194.70 $454.42 $229.17 $1,878.28 $286,273.76
Sep, 2027 52 $1,192.81 $456.31 $229.17 $1,878.28 $285,817.45
Oct, 2027 53 $1,190.91 $458.21 $229.17 $1,878.28 $285,359.24
Nov, 2027 54 $1,189.00 $460.12 $229.17 $1,878.28 $284,899.12
Dec, 2027 55 $1,187.08 $462.04 $229.17 $1,878.28 $284,437.08
Jan, 2028 56 $1,185.15 $463.96 $229.17 $1,878.28 $283,973.12
Feb, 2028 57 $1,183.22 $465.89 $229.17 $1,878.28 $283,507.23
Mar, 2028 58 $1,181.28 $467.84 $229.17 $1,878.28 $283,039.39
Apr, 2028 59 $1,179.33 $469.79 $229.17 $1,878.28 $282,569.61
May, 2028 60 $1,177.37 $471.74 $229.17 $1,878.28 $282,097.86
Jun, 2028 61 $1,175.41 $473.71 $229.17 $1,878.28 $281,624.16
Jul, 2028 62 $1,173.43 $475.68 $229.17 $1,878.28 $281,148.47
Aug, 2028 63 $1,171.45 $477.66 $229.17 $1,878.28 $280,670.81
Sep, 2028 64 $1,169.46 $479.65 $229.17 $1,878.28 $280,191.16
Oct, 2028 65 $1,167.46 $481.65 $229.17 $1,878.28 $279,709.50
Nov, 2028 66 $1,165.46 $483.66 $229.17 $1,878.28 $279,225.84
Dec, 2028 67 $1,163.44 $485.68 $229.17 $1,878.28 $278,740.17
Jan, 2029 68 $1,161.42 $487.70 $229.17 $1,878.28 $278,252.47
Feb, 2029 69 $1,159.39 $489.73 $229.17 $1,878.28 $277,762.74
Mar, 2029 70 $1,157.34 $491.77 $229.17 $1,878.28 $277,270.97
Apr, 2029 71 $1,155.30 $493.82 $229.17 $1,878.28 $276,777.15
May, 2029 72 $1,153.24 $495.88 $229.17 $1,878.28 $276,281.27
Jun, 2029 73 $1,151.17 $497.94 $229.17 $1,878.28 $275,783.33
Jul, 2029 74 $1,149.10 $500.02 $229.17 $1,878.28 $275,283.31
Aug, 2029 75 $1,147.01 $502.10 $229.17 $1,878.28 $274,781.20
Sep, 2029 76 $1,144.92 $504.19 $229.17 $1,878.28 $274,277.01
Oct, 2029 77 $1,142.82 $506.30 $229.17 $1,878.28 $273,770.72
Nov, 2029 78 $1,140.71 $508.40 $229.17 $1,878.28 $273,262.31
Dec, 2029 79 $1,138.59 $510.52 $229.17 $1,878.28 $272,751.79
Jan, 2030 80 $1,136.47 $512.65 $229.17 $1,878.28 $272,239.14
Feb, 2030 81 $1,134.33 $514.79 $229.17 $1,878.28 $271,724.35
Mar, 2030 82 $1,132.18 $516.93 $229.17 $1,878.28 $271,207.42
Apr, 2030 83 $1,130.03 $519.09 $229.17 $1,878.28 $270,688.33
May, 2030 84 $1,127.87 $521.25 $229.17 $1,878.28 $270,167.09
Jun, 2030 85 $1,125.70 $523.42 $229.17 $1,878.28 $269,643.67
Jul, 2030 86 $1,123.52 $525.60 $229.17 $1,878.28 $269,118.07
Aug, 2030 87 $1,121.33 $527.79 $229.17 $1,878.28 $268,590.28
Sep, 2030 88 $1,119.13 $529.99 $229.17 $1,878.28 $268,060.29
Oct, 2030 89 $1,116.92 $532.20 $229.17 $1,878.28 $267,528.09
Nov, 2030 90 $1,114.70 $534.42 $229.17 $1,878.28 $266,993.67
Dec, 2030 91 $1,112.47 $536.64 $229.17 $1,878.28 $266,457.03
Jan, 2031 92 $1,110.24 $538.88 $229.17 $1,878.28 $265,918.15
Feb, 2031 93 $1,107.99 $541.12 $229.17 $1,878.28 $265,377.03
Mar, 2031 94 $1,105.74 $543.38 $229.17 $1,878.28 $264,833.65
Apr, 2031 95 $1,103.47 $545.64 $229.17 $1,878.28 $264,288.01
May, 2031 96 $1,101.20 $547.92 $229.17 $1,878.28 $263,740.09
Jun, 2031 97 $1,098.92 $550.20 $229.17 $1,878.28 $263,189.89
Jul, 2031 98 $1,096.62 $552.49 $229.17 $1,878.28 $262,637.40
Aug, 2031 99 $1,094.32 $554.79 $229.17 $1,878.28 $262,082.61
Sep, 2031 100 $1,092.01 $557.11 $229.17 $1,878.28 $261,525.50
Oct, 2031 101 $1,089.69 $559.43 $229.17 $1,878.28 $260,966.07
Nov, 2031 102 $1,087.36 $561.76 $229.17 $1,878.28 $260,404.32
Dec, 2031 103 $1,085.02 $564.10 $229.17 $1,878.28 $259,840.22
Jan, 2032 104 $1,082.67 $566.45 $229.17 $1,878.28 $259,273.77
Feb, 2032 105 $1,080.31 $568.81 $229.17 $1,878.28 $258,704.96
Mar, 2032 106 $1,077.94 $571.18 $229.17 $1,878.28 $258,133.78
Apr, 2032 107 $1,075.56 $573.56 $229.17 $1,878.28 $257,560.22
May, 2032 108 $1,073.17 $575.95 $229.17 $1,878.28 $256,984.28
Jun, 2032 109 $1,070.77 $578.35 $229.17 $1,878.28 $256,405.93
Jul, 2032 110 $1,068.36 $580.76 $229.17 $1,878.28 $255,825.17
Aug, 2032 111 $1,065.94 $583.18 $229.17 $1,878.28 $255,241.99
Sep, 2032 112 $1,063.51 $585.61 $229.17 $1,878.28 $254,656.38
Oct, 2032 113 $1,061.07 $588.05 $229.17 $1,878.28 $254,068.34
Nov, 2032 114 $1,058.62 $590.50 $229.17 $1,878.28 $253,477.84
Dec, 2032 115 $1,056.16 $592.96 $229.17 $1,878.28 $252,884.88
Jan, 2033 116 $1,053.69 $595.43 $229.17 $1,878.28 $252,289.45
Feb, 2033 117 $1,051.21 $597.91 $229.17 $1,878.28 $251,691.54
Mar, 2033 118 $1,048.71 $600.40 $229.17 $1,878.28 $251,091.14
Apr, 2033 119 $1,046.21 $602.90 $229.17 $1,878.28 $250,488.24
May, 2033 120 $1,043.70 $605.42 $229.17 $1,878.28 $249,882.82
Jun, 2033 121 $1,041.18 $607.94 $229.17 $1,878.28 $249,274.88
Jul, 2033 122 $1,038.65 $610.47 $229.17 $1,878.28 $248,664.41
Aug, 2033 123 $1,036.10 $613.01 $229.17 $1,878.28 $248,051.40
Sep, 2033 124 $1,033.55 $615.57 $229.17 $1,878.28 $247,435.83
Oct, 2033 125 $1,030.98 $618.13 $229.17 $1,878.28 $246,817.70
Nov, 2033 126 $1,028.41 $620.71 $229.17 $1,878.28 $246,196.99
Dec, 2033 127 $1,025.82 $623.30 $229.17 $1,878.28 $245,573.69
Jan, 2034 128 $1,023.22 $625.89 $229.17 $1,878.28 $244,947.80
Feb, 2034 129 $1,020.62 $628.50 $229.17 $1,878.28 $244,319.30
Mar, 2034 130 $1,018.00 $631.12 $229.17 $1,878.28 $243,688.18
Apr, 2034 131 $1,015.37 $633.75 $229.17 $1,878.28 $243,054.43
May, 2034 132 $1,012.73 $636.39 $229.17 $1,878.28 $242,418.04
Jun, 2034 133 $1,010.08 $639.04 $229.17 $1,878.28 $241,779.00
Jul, 2034 134 $1,007.41 $641.70 $229.17 $1,878.28 $241,137.30
Aug, 2034 135 $1,004.74 $644.38 $229.17 $1,878.28 $240,492.92
Sep, 2034 136 $1,002.05 $647.06 $229.17 $1,878.28 $239,845.86
Oct, 2034 137 $999.36 $649.76 $229.17 $1,878.28 $239,196.10
Nov, 2034 138 $996.65 $652.47 $229.17 $1,878.28 $238,543.64
Dec, 2034 139 $993.93 $655.18 $229.17 $1,878.28 $237,888.45
Jan, 2035 140 $991.20 $657.91 $229.17 $1,878.28 $237,230.54
Feb, 2035 141 $988.46 $660.66 $229.17 $1,878.28 $236,569.88
Mar, 2035 142 $985.71 $663.41 $229.17 $1,878.28 $235,906.47
Apr, 2035 143 $982.94 $666.17 $229.17 $1,878.28 $235,240.30
May, 2035 144 $980.17 $668.95 $229.17 $1,878.28 $234,571.35
Jun, 2035 145 $977.38 $671.74 $229.17 $1,878.28 $233,899.62
Jul, 2035 146 $974.58 $674.53 $229.17 $1,878.28 $233,225.08
Aug, 2035 147 $971.77 $677.34 $229.17 $1,878.28 $232,547.74
Sep, 2035 148 $968.95 $680.17 $229.17 $1,878.28 $231,867.57
Oct, 2035 149 $966.11 $683.00 $229.17 $1,878.28 $231,184.57
Nov, 2035 150 $963.27 $685.85 $229.17 $1,878.28 $230,498.72
Dec, 2035 151 $960.41 $688.70 $229.17 $1,878.28 $229,810.02
Jan, 2036 152 $957.54 $691.57 $229.17 $1,878.28 $229,118.45
Feb, 2036 153 $954.66 $694.46 $229.17 $1,878.28 $228,423.99
Mar, 2036 154 $951.77 $697.35 $229.17 $1,878.28 $227,726.64
Apr, 2036 155 $948.86 $700.26 $229.17 $1,878.28 $227,026.39
May, 2036 156 $945.94 $703.17 $229.17 $1,878.28 $226,323.21
Jun, 2036 157 $943.01 $706.10 $229.17 $1,878.28 $225,617.11
Jul, 2036 158 $940.07 $709.04 $229.17 $1,878.28 $224,908.06
Aug, 2036 159 $937.12 $712.00 $229.17 $1,878.28 $224,196.07
Sep, 2036 160 $934.15 $714.97 $229.17 $1,878.28 $223,481.10
Oct, 2036 161 $931.17 $717.94 $229.17 $1,878.28 $222,763.16
Nov, 2036 162 $928.18 $720.94 $229.17 $1,878.28 $222,042.22
Dec, 2036 163 $925.18 $723.94 $229.17 $1,878.28 $221,318.28
Jan, 2037 164 $922.16 $726.96 $229.17 $1,878.28 $220,591.32
Feb, 2037 165 $919.13 $729.99 $229.17 $1,878.28 $219,861.34
Mar, 2037 166 $916.09 $733.03 $229.17 $1,878.28 $219,128.31
Apr, 2037 167 $913.03 $736.08 $229.17 $1,878.28 $218,392.23
May, 2037 168 $909.97 $739.15 $229.17 $1,878.28 $217,653.08
Jun, 2037 169 $906.89 $742.23 $229.17 $1,878.28 $216,910.85
Jul, 2037 170 $903.80 $745.32 $229.17 $1,878.28 $216,165.53
Aug, 2037 171 $900.69 $748.43 $229.17 $1,878.28 $215,417.10
Sep, 2037 172 $897.57 $751.54 $229.17 $1,878.28 $214,665.56
Oct, 2037 173 $894.44 $754.68 $229.17 $1,878.28 $213,910.88
Nov, 2037 174 $891.30 $757.82 $229.17 $1,878.28 $213,153.06
Dec, 2037 175 $888.14 $760.98 $229.17 $1,878.28 $212,392.08
Jan, 2038 176 $884.97 $764.15 $229.17 $1,878.28 $211,627.94
Feb, 2038 177 $881.78 $767.33 $229.17 $1,878.28 $210,860.60
Mar, 2038 178 $878.59 $770.53 $229.17 $1,878.28 $210,090.07
Apr, 2038 179 $875.38 $773.74 $229.17 $1,878.28 $209,316.33
May, 2038 180 $872.15 $776.96 $229.17 $1,878.28 $208,539.37
Jun, 2038 181 $868.91 $780.20 $229.17 $1,878.28 $207,759.17
Jul, 2038 182 $865.66 $783.45 $229.17 $1,878.28 $206,975.71
Aug, 2038 183 $862.40 $786.72 $229.17 $1,878.28 $206,189.00
Sep, 2038 184 $859.12 $790.00 $229.17 $1,878.28 $205,399.00
Oct, 2038 185 $855.83 $793.29 $229.17 $1,878.28 $204,605.71
Nov, 2038 186 $852.52 $796.59 $229.17 $1,878.28 $203,809.12
Dec, 2038 187 $849.20 $799.91 $229.17 $1,878.28 $203,009.21
Jan, 2039 188 $845.87 $803.24 $229.17 $1,878.28 $202,205.97
Feb, 2039 189 $842.52 $806.59 $229.17 $1,878.28 $201,399.37
Mar, 2039 190 $839.16 $809.95 $229.17 $1,878.28 $200,589.42
Apr, 2039 191 $835.79 $813.33 $229.17 $1,878.28 $199,776.10
May, 2039 192 $832.40 $816.72 $229.17 $1,878.28 $198,959.38
Jun, 2039 193 $829.00 $820.12 $229.17 $1,878.28 $198,139.26
Jul, 2039 194 $825.58 $823.54 $229.17 $1,878.28 $197,315.73
Aug, 2039 195 $822.15 $826.97 $229.17 $1,878.28 $196,488.76
Sep, 2039 196 $818.70 $830.41 $229.17 $1,878.28 $195,658.35
Oct, 2039 197 $815.24 $833.87 $229.17 $1,878.28 $194,824.47
Nov, 2039 198 $811.77 $837.35 $229.17 $1,878.28 $193,987.13
Dec, 2039 199 $808.28 $840.84 $229.17 $1,878.28 $193,146.29
Jan, 2040 200 $804.78 $844.34 $229.17 $1,878.28 $192,301.95
Feb, 2040 201 $801.26 $847.86 $229.17 $1,878.28 $191,454.09
Mar, 2040 202 $797.73 $851.39 $229.17 $1,878.28 $190,602.70
Apr, 2040 203 $794.18 $854.94 $229.17 $1,878.28 $189,747.76
May, 2040 204 $790.62 $858.50 $229.17 $1,878.28 $188,889.26
Jun, 2040 205 $787.04 $862.08 $229.17 $1,878.28 $188,027.18
Jul, 2040 206 $783.45 $865.67 $229.17 $1,878.28 $187,161.51
Aug, 2040 207 $779.84 $869.28 $229.17 $1,878.28 $186,292.24
Sep, 2040 208 $776.22 $872.90 $229.17 $1,878.28 $185,419.34
Oct, 2040 209 $772.58 $876.54 $229.17 $1,878.28 $184,542.80
Nov, 2040 210 $768.93 $880.19 $229.17 $1,878.28 $183,662.62
Dec, 2040 211 $765.26 $883.86 $229.17 $1,878.28 $182,778.76
Jan, 2041 212 $761.58 $887.54 $229.17 $1,878.28 $181,891.22
Feb, 2041 213 $757.88 $891.24 $229.17 $1,878.28 $180,999.99
Mar, 2041 214 $754.17 $894.95 $229.17 $1,878.28 $180,105.04
Apr, 2041 215 $750.44 $898.68 $229.17 $1,878.28 $179,206.36
May, 2041 216 $746.69 $902.42 $229.17 $1,878.28 $178,303.94
Jun, 2041 217 $742.93 $906.18 $229.17 $1,878.28 $177,397.75
Jul, 2041 218 $739.16 $909.96 $229.17 $1,878.28 $176,487.80
Aug, 2041 219 $735.37 $913.75 $229.17 $1,878.28 $175,574.05
Sep, 2041 220 $731.56 $917.56 $229.17 $1,878.28 $174,656.49
Oct, 2041 221 $727.74 $921.38 $229.17 $1,878.28 $173,735.11
Nov, 2041 222 $723.90 $925.22 $229.17 $1,878.28 $172,809.89
Dec, 2041 223 $720.04 $929.07 $229.17 $1,878.28 $171,880.81
Jan, 2042 224 $716.17 $932.95 $229.17 $1,878.28 $170,947.87
Feb, 2042 225 $712.28 $936.83 $229.17 $1,878.28 $170,011.03
Mar, 2042 226 $708.38 $940.74 $229.17 $1,878.28 $169,070.30
Apr, 2042 227 $704.46 $944.66 $229.17 $1,878.28 $168,125.64
May, 2042 228 $700.52 $948.59 $229.17 $1,878.28 $167,177.05
Jun, 2042 229 $696.57 $952.54 $229.17 $1,878.28 $166,224.50
Jul, 2042 230 $692.60 $956.51 $229.17 $1,878.28 $165,267.99
Aug, 2042 231 $688.62 $960.50 $229.17 $1,878.28 $164,307.49
Sep, 2042 232 $684.61 $964.50 $229.17 $1,878.28 $163,342.99
Oct, 2042 233 $680.60 $968.52 $229.17 $1,878.28 $162,374.47
Nov, 2042 234 $676.56 $972.56 $229.17 $1,878.28 $161,401.91
Dec, 2042 235 $672.51 $976.61 $229.17 $1,878.28 $160,425.30
Jan, 2043 236 $668.44 $980.68 $229.17 $1,878.28 $159,444.63
Feb, 2043 237 $664.35 $984.76 $229.17 $1,878.28 $158,459.86
Mar, 2043 238 $660.25 $988.87 $229.17 $1,878.28 $157,471.00
Apr, 2043 239 $656.13 $992.99 $229.17 $1,878.28 $156,478.01
May, 2043 240 $651.99 $997.12 $229.17 $1,878.28 $155,480.89
Jun, 2043 241 $647.84 $1,001.28 $229.17 $1,878.28 $154,479.61
Jul, 2043 242 $643.67 $1,005.45 $229.17 $1,878.28 $153,474.16
Aug, 2043 243 $639.48 $1,009.64 $229.17 $1,878.28 $152,464.52
Sep, 2043 244 $635.27 $1,013.85 $229.17 $1,878.28 $151,450.67
Oct, 2043 245 $631.04 $1,018.07 $229.17 $1,878.28 $150,432.60
Nov, 2043 246 $626.80 $1,022.31 $229.17 $1,878.28 $149,410.28
Dec, 2043 247 $622.54 $1,026.57 $229.17 $1,878.28 $148,383.71
Jan, 2044 248 $618.27 $1,030.85 $229.17 $1,878.28 $147,352.86
Feb, 2044 249 $613.97 $1,035.15 $229.17 $1,878.28 $146,317.71
Mar, 2044 250 $609.66 $1,039.46 $229.17 $1,878.28 $145,278.25
Apr, 2044 251 $605.33 $1,043.79 $229.17 $1,878.28 $144,234.46
May, 2044 252 $600.98 $1,048.14 $229.17 $1,878.28 $143,186.33
Jun, 2044 253 $596.61 $1,052.51 $229.17 $1,878.28 $142,133.82
Jul, 2044 254 $592.22 $1,056.89 $229.17 $1,878.28 $141,076.93
Aug, 2044 255 $587.82 $1,061.30 $229.17 $1,878.28 $140,015.63
Sep, 2044 256 $583.40 $1,065.72 $229.17 $1,878.28 $138,949.91
Oct, 2044 257 $578.96 $1,070.16 $229.17 $1,878.28 $137,879.76
Nov, 2044 258 $574.50 $1,074.62 $229.17 $1,878.28 $136,805.14
Dec, 2044 259 $570.02 $1,079.09 $229.17 $1,878.28 $135,726.04
Jan, 2045 260 $565.53 $1,083.59 $229.17 $1,878.28 $134,642.45
Feb, 2045 261 $561.01 $1,088.11 $229.17 $1,878.28 $133,554.35
Mar, 2045 262 $556.48 $1,092.64 $229.17 $1,878.28 $132,461.71
Apr, 2045 263 $551.92 $1,097.19 $229.17 $1,878.28 $131,364.52
May, 2045 264 $547.35 $1,101.76 $229.17 $1,878.28 $130,262.75
Jun, 2045 265 $542.76 $1,106.35 $229.17 $1,878.28 $129,156.40
Jul, 2045 266 $538.15 $1,110.96 $229.17 $1,878.28 $128,045.43
Aug, 2045 267 $533.52 $1,115.59 $229.17 $1,878.28 $126,929.84
Sep, 2045 268 $528.87 $1,120.24 $229.17 $1,878.28 $125,809.60
Oct, 2045 269 $524.21 $1,124.91 $229.17 $1,878.28 $124,684.69
Nov, 2045 270 $519.52 $1,129.60 $229.17 $1,878.28 $123,555.09
Dec, 2045 271 $514.81 $1,134.30 $229.17 $1,878.28 $122,420.79
Jan, 2046 272 $510.09 $1,139.03 $229.17 $1,878.28 $121,281.76
Feb, 2046 273 $505.34 $1,143.78 $229.17 $1,878.28 $120,137.98
Mar, 2046 274 $500.57 $1,148.54 $229.17 $1,878.28 $118,989.44
Apr, 2046 275 $495.79 $1,153.33 $229.17 $1,878.28 $117,836.12
May, 2046 276 $490.98 $1,158.13 $229.17 $1,878.28 $116,677.98
Jun, 2046 277 $486.16 $1,162.96 $229.17 $1,878.28 $115,515.03
Jul, 2046 278 $481.31 $1,167.80 $229.17 $1,878.28 $114,347.22
Aug, 2046 279 $476.45 $1,172.67 $229.17 $1,878.28 $113,174.55
Sep, 2046 280 $471.56 $1,177.56 $229.17 $1,878.28 $111,997.00
Oct, 2046 281 $466.65 $1,182.46 $229.17 $1,878.28 $110,814.54
Nov, 2046 282 $461.73 $1,187.39 $229.17 $1,878.28 $109,627.15
Dec, 2046 283 $456.78 $1,192.34 $229.17 $1,878.28 $108,434.81
Jan, 2047 284 $451.81 $1,197.30 $229.17 $1,878.28 $107,237.51
Feb, 2047 285 $446.82 $1,202.29 $229.17 $1,878.28 $106,035.21
Mar, 2047 286 $441.81 $1,207.30 $229.17 $1,878.28 $104,827.91
Apr, 2047 287 $436.78 $1,212.33 $229.17 $1,878.28 $103,615.58
May, 2047 288 $431.73 $1,217.38 $229.17 $1,878.28 $102,398.19
Jun, 2047 289 $426.66 $1,222.46 $229.17 $1,878.28 $101,175.74
Jul, 2047 290 $421.57 $1,227.55 $229.17 $1,878.28 $99,948.19
Aug, 2047 291 $416.45 $1,232.67 $229.17 $1,878.28 $98,715.52
Sep, 2047 292 $411.31 $1,237.80 $229.17 $1,878.28 $97,477.72
Oct, 2047 293 $406.16 $1,242.96 $229.17 $1,878.28 $96,234.76
Nov, 2047 294 $400.98 $1,248.14 $229.17 $1,878.28 $94,986.62
Dec, 2047 295 $395.78 $1,253.34 $229.17 $1,878.28 $93,733.29
Jan, 2048 296 $390.56 $1,258.56 $229.17 $1,878.28 $92,474.72
Feb, 2048 297 $385.31 $1,263.80 $229.17 $1,878.28 $91,210.92
Mar, 2048 298 $380.05 $1,269.07 $229.17 $1,878.28 $89,941.85
Apr, 2048 299 $374.76 $1,274.36 $229.17 $1,878.28 $88,667.49
May, 2048 300 $369.45 $1,279.67 $229.17 $1,878.28 $87,387.82
Jun, 2048 301 $364.12 $1,285.00 $229.17 $1,878.28 $86,102.82
Jul, 2048 302 $358.76 $1,290.35 $229.17 $1,878.28 $84,812.47
Aug, 2048 303 $353.39 $1,295.73 $229.17 $1,878.28 $83,516.74
Sep, 2048 304 $347.99 $1,301.13 $229.17 $1,878.28 $82,215.61
Oct, 2048 305 $342.57 $1,306.55 $229.17 $1,878.28 $80,909.06
Nov, 2048 306 $337.12 $1,311.99 $229.17 $1,878.28 $79,597.06
Dec, 2048 307 $331.65 $1,317.46 $229.17 $1,878.28 $78,279.60
Jan, 2049 308 $326.17 $1,322.95 $229.17 $1,878.28 $76,956.65
Feb, 2049 309 $320.65 $1,328.46 $229.17 $1,878.28 $75,628.19
Mar, 2049 310 $315.12 $1,334.00 $229.17 $1,878.28 $74,294.19
Apr, 2049 311 $309.56 $1,339.56 $229.17 $1,878.28 $72,954.63
May, 2049 312 $303.98 $1,345.14 $229.17 $1,878.28 $71,609.49
Jun, 2049 313 $298.37 $1,350.74 $229.17 $1,878.28 $70,258.75
Jul, 2049 314 $292.74 $1,356.37 $229.17 $1,878.28 $68,902.38
Aug, 2049 315 $287.09 $1,362.02 $229.17 $1,878.28 $67,540.36
Sep, 2049 316 $281.42 $1,367.70 $229.17 $1,878.28 $66,172.66
Oct, 2049 317 $275.72 $1,373.40 $229.17 $1,878.28 $64,799.26
Nov, 2049 318 $270.00 $1,379.12 $229.17 $1,878.28 $63,420.14
Dec, 2049 319 $264.25 $1,384.87 $229.17 $1,878.28 $62,035.28
Jan, 2050 320 $258.48 $1,390.64 $229.17 $1,878.28 $60,644.64
Feb, 2050 321 $252.69 $1,396.43 $229.17 $1,878.28 $59,248.21
Mar, 2050 322 $246.87 $1,402.25 $229.17 $1,878.28 $57,845.96
Apr, 2050 323 $241.02 $1,408.09 $229.17 $1,878.28 $56,437.87
May, 2050 324 $235.16 $1,413.96 $229.17 $1,878.28 $55,023.91
Jun, 2050 325 $229.27 $1,419.85 $229.17 $1,878.28 $53,604.06
Jul, 2050 326 $223.35 $1,425.77 $229.17 $1,878.28 $52,178.30
Aug, 2050 327 $217.41 $1,431.71 $229.17 $1,878.28 $50,746.59
Sep, 2050 328 $211.44 $1,437.67 $229.17 $1,878.28 $49,308.92
Oct, 2050 329 $205.45 $1,443.66 $229.17 $1,878.28 $47,865.26
Nov, 2050 330 $199.44 $1,449.68 $229.17 $1,878.28 $46,415.58
Dec, 2050 331 $193.40 $1,455.72 $229.17 $1,878.28 $44,959.86
Jan, 2051 332 $187.33 $1,461.78 $229.17 $1,878.28 $43,498.08
Feb, 2051 333 $181.24 $1,467.87 $229.17 $1,878.28 $42,030.20
Mar, 2051 334 $175.13 $1,473.99 $229.17 $1,878.28 $40,556.21
Apr, 2051 335 $168.98 $1,480.13 $229.17 $1,878.28 $39,076.08
May, 2051 336 $162.82 $1,486.30 $229.17 $1,878.28 $37,589.78
Jun, 2051 337 $156.62 $1,492.49 $229.17 $1,878.28 $36,097.29
Jul, 2051 338 $150.41 $1,498.71 $229.17 $1,878.28 $34,598.58
Aug, 2051 339 $144.16 $1,504.96 $229.17 $1,878.28 $33,093.63
Sep, 2051 340 $137.89 $1,511.23 $229.17 $1,878.28 $31,582.40
Oct, 2051 341 $131.59 $1,517.52 $229.17 $1,878.28 $30,064.88
Nov, 2051 342 $125.27 $1,523.85 $229.17 $1,878.28 $28,541.03
Dec, 2051 343 $118.92 $1,530.20 $229.17 $1,878.28 $27,010.84
Jan, 2052 344 $112.55 $1,536.57 $229.17 $1,878.28 $25,474.27
Feb, 2052 345 $106.14 $1,542.97 $229.17 $1,878.28 $23,931.29
Mar, 2052 346 $99.71 $1,549.40 $229.17 $1,878.28 $22,381.89
Apr, 2052 347 $93.26 $1,555.86 $229.17 $1,878.28 $20,826.03
May, 2052 348 $86.78 $1,562.34 $229.17 $1,878.28 $19,263.69
Jun, 2052 349 $80.27 $1,568.85 $229.17 $1,878.28 $17,694.84
Jul, 2052 350 $73.73 $1,575.39 $229.17 $1,878.28 $16,119.45
Aug, 2052 351 $67.16 $1,581.95 $229.17 $1,878.28 $14,537.50
Sep, 2052 352 $60.57 $1,588.54 $229.17 $1,878.28 $12,948.96
Oct, 2052 353 $53.95 $1,595.16 $229.17 $1,878.28 $11,353.80
Nov, 2052 354 $47.31 $1,601.81 $229.17 $1,878.28 $9,751.99
Dec, 2052 355 $40.63 $1,608.48 $229.17 $1,878.28 $8,143.50
Jan, 2053 356 $33.93 $1,615.18 $229.17 $1,878.28 $6,528.32
Feb, 2053 357 $27.20 $1,621.91 $229.17 $1,878.28 $4,906.40
Mar, 2053 358 $20.44 $1,628.67 $229.17 $1,878.28 $3,277.73
Apr, 2053 359 $13.66 $1,635.46 $229.17 $1,878.28 $1,642.27
May, 2053 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 May, 2053 Jul, 2048

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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.

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