VA Mortgage Calculator

Estimate a VA purchase-loan payment including the applicable financed funding fee.

Balance over the schedule

Each point corresponds to one row of the calculated schedule. Use the table for exact displayed values.

Inspect point: 1

Balance: $306,144.93

Principal and interest by payment

Principal reduces the balance; interest is the borrowing charge for that payment period.

Inspect point: 1

Principal: $305.07
Interest: $1,532.25

Amortization schedule

Values are rounded for this schedule; calculations retain full precision until display. Download the CSV to use the complete table.

Amortization schedule
Month	Payment	Interest	Principal	Balance
1	$1,837.32	$1,532.25	$305.07	$306,144.93
2	$1,837.32	$1,530.72	$306.60	$305,838.33
3	$1,837.32	$1,529.19	$308.13	$305,530.20
4	$1,837.32	$1,527.65	$309.67	$305,220.53
5	$1,837.32	$1,526.10	$311.22	$304,909.31
6	$1,837.32	$1,524.55	$312.78	$304,596.53
7	$1,837.32	$1,522.98	$314.34	$304,282.19
8	$1,837.32	$1,521.41	$315.91	$303,966.28
9	$1,837.32	$1,519.83	$317.49	$303,648.79
10	$1,837.32	$1,518.24	$319.08	$303,329.71
11	$1,837.32	$1,516.65	$320.67	$303,009.04
12	$1,837.32	$1,515.05	$322.28	$302,686.76
1	$1,837.32	$1,532.25	$305.07	$306,144.93
2	$1,837.32	$1,530.72	$306.60	$305,838.33
3	$1,837.32	$1,529.19	$308.13	$305,530.20
4	$1,837.32	$1,527.65	$309.67	$305,220.53
5	$1,837.32	$1,526.10	$311.22	$304,909.31
6	$1,837.32	$1,524.55	$312.78	$304,596.53
7	$1,837.32	$1,522.98	$314.34	$304,282.19
8	$1,837.32	$1,521.41	$315.91	$303,966.28
9	$1,837.32	$1,519.83	$317.49	$303,648.79
10	$1,837.32	$1,518.24	$319.08	$303,329.71
11	$1,837.32	$1,516.65	$320.67	$303,009.04
12	$1,837.32	$1,515.05	$322.28	$302,686.76
13	$1,837.32	$1,513.43	$323.89	$302,362.87
14	$1,837.32	$1,511.81	$325.51	$302,037.36
15	$1,837.32	$1,510.19	$327.14	$301,710.23
16	$1,837.32	$1,508.55	$328.77	$301,381.45
17	$1,837.32	$1,506.91	$330.42	$301,051.04
18	$1,837.32	$1,505.26	$332.07	$300,718.97
19	$1,837.32	$1,503.59	$333.73	$300,385.24
20	$1,837.32	$1,501.93	$335.40	$300,049.85
21	$1,837.32	$1,500.25	$337.07	$299,712.77
22	$1,837.32	$1,498.56	$338.76	$299,374.01
23	$1,837.32	$1,496.87	$340.45	$299,033.56
24	$1,837.32	$1,495.17	$342.15	$298,691.41
25	$1,837.32	$1,493.46	$343.87	$298,347.54
26	$1,837.32	$1,491.74	$345.58	$298,001.96
27	$1,837.32	$1,490.01	$347.31	$297,654.64
28	$1,837.32	$1,488.27	$349.05	$297,305.60
29	$1,837.32	$1,486.53	$350.79	$296,954.80
30	$1,837.32	$1,484.77	$352.55	$296,602.25
31	$1,837.32	$1,483.01	$354.31	$296,247.94
32	$1,837.32	$1,481.24	$356.08	$295,891.86
33	$1,837.32	$1,479.46	$357.86	$295,533.99
34	$1,837.32	$1,477.67	$359.65	$295,174.34
35	$1,837.32	$1,475.87	$361.45	$294,812.89
36	$1,837.32	$1,474.06	$363.26	$294,449.63
37	$1,837.32	$1,472.25	$365.07	$294,084.56
38	$1,837.32	$1,470.42	$366.90	$293,717.66
39	$1,837.32	$1,468.59	$368.73	$293,348.92
40	$1,837.32	$1,466.74	$370.58	$292,978.35
41	$1,837.32	$1,464.89	$372.43	$292,605.92
42	$1,837.32	$1,463.03	$374.29	$292,231.62
43	$1,837.32	$1,461.16	$376.16	$291,855.46
44	$1,837.32	$1,459.28	$378.05	$291,477.41
45	$1,837.32	$1,457.39	$379.94	$291,097.48
46	$1,837.32	$1,455.49	$381.84	$290,715.64
47	$1,837.32	$1,453.58	$383.74	$290,331.90
48	$1,837.32	$1,451.66	$385.66	$289,946.23
49	$1,837.32	$1,449.73	$387.59	$289,558.64
50	$1,837.32	$1,447.79	$389.53	$289,169.11
51	$1,837.32	$1,445.85	$391.48	$288,777.64
52	$1,837.32	$1,443.89	$393.43	$288,384.20
53	$1,837.32	$1,441.92	$395.40	$287,988.80
54	$1,837.32	$1,439.94	$397.38	$287,591.42
55	$1,837.32	$1,437.96	$399.37	$287,192.06
56	$1,837.32	$1,435.96	$401.36	$286,790.69
57	$1,837.32	$1,433.95	$403.37	$286,387.33
58	$1,837.32	$1,431.94	$405.39	$285,981.94
59	$1,837.32	$1,429.91	$407.41	$285,574.53
60	$1,837.32	$1,427.87	$409.45	$285,165.08
61	$1,837.32	$1,425.83	$411.50	$284,753.58
62	$1,837.32	$1,423.77	$413.55	$284,340.02
63	$1,837.32	$1,421.70	$415.62	$283,924.40
64	$1,837.32	$1,419.62	$417.70	$283,506.70
65	$1,837.32	$1,417.53	$419.79	$283,086.91
66	$1,837.32	$1,415.43	$421.89	$282,665.02
67	$1,837.32	$1,413.33	$424.00	$282,241.03
68	$1,837.32	$1,411.21	$426.12	$281,814.91
69	$1,837.32	$1,409.07	$428.25	$281,386.66
70	$1,837.32	$1,406.93	$430.39	$280,956.27
71	$1,837.32	$1,404.78	$432.54	$280,523.73
72	$1,837.32	$1,402.62	$434.70	$280,089.03
73	$1,837.32	$1,400.45	$436.88	$279,652.15
74	$1,837.32	$1,398.26	$439.06	$279,213.09
75	$1,837.32	$1,396.07	$441.26	$278,771.83
76	$1,837.32	$1,393.86	$443.46	$278,328.37
77	$1,837.32	$1,391.64	$445.68	$277,882.69
78	$1,837.32	$1,389.41	$447.91	$277,434.78
79	$1,837.32	$1,387.17	$450.15	$276,984.63
80	$1,837.32	$1,384.92	$452.40	$276,532.23
81	$1,837.32	$1,382.66	$454.66	$276,077.57
82	$1,837.32	$1,380.39	$456.93	$275,620.63
83	$1,837.32	$1,378.10	$459.22	$275,161.41
84	$1,837.32	$1,375.81	$461.52	$274,699.90
85	$1,837.32	$1,373.50	$463.82	$274,236.07
86	$1,837.32	$1,371.18	$466.14	$273,769.93
87	$1,837.32	$1,368.85	$468.47	$273,301.46
88	$1,837.32	$1,366.51	$470.82	$272,830.64
89	$1,837.32	$1,364.15	$473.17	$272,357.48
90	$1,837.32	$1,361.79	$475.54	$271,881.94
91	$1,837.32	$1,359.41	$477.91	$271,404.03
92	$1,837.32	$1,357.02	$480.30	$270,923.72
93	$1,837.32	$1,354.62	$482.70	$270,441.02
94	$1,837.32	$1,352.21	$485.12	$269,955.90
95	$1,837.32	$1,349.78	$487.54	$269,468.36
96	$1,837.32	$1,347.34	$489.98	$268,978.38
97	$1,837.32	$1,344.89	$492.43	$268,485.95
98	$1,837.32	$1,342.43	$494.89	$267,991.06
99	$1,837.32	$1,339.96	$497.37	$267,493.69
100	$1,837.32	$1,337.47	$499.85	$266,993.83
101	$1,837.32	$1,334.97	$502.35	$266,491.48
102	$1,837.32	$1,332.46	$504.87	$265,986.62
103	$1,837.32	$1,329.93	$507.39	$265,479.23
104	$1,837.32	$1,327.40	$509.93	$264,969.30
105	$1,837.32	$1,324.85	$512.48	$264,456.82
106	$1,837.32	$1,322.28	$515.04	$263,941.79
107	$1,837.32	$1,319.71	$517.61	$263,424.17
108	$1,837.32	$1,317.12	$520.20	$262,903.97
109	$1,837.32	$1,314.52	$522.80	$262,381.17
110	$1,837.32	$1,311.91	$525.42	$261,855.75
111	$1,837.32	$1,309.28	$528.04	$261,327.71
112	$1,837.32	$1,306.64	$530.68	$260,797.02
113	$1,837.32	$1,303.99	$533.34	$260,263.69
114	$1,837.32	$1,301.32	$536.00	$259,727.68
115	$1,837.32	$1,298.64	$538.68	$259,189.00
116	$1,837.32	$1,295.94	$541.38	$258,647.62
117	$1,837.32	$1,293.24	$544.08	$258,103.53
118	$1,837.32	$1,290.52	$546.80	$257,556.73
119	$1,837.32	$1,287.78	$549.54	$257,007.19
120	$1,837.32	$1,285.04	$552.29	$256,454.90
121	$1,837.32	$1,282.27	$555.05	$255,899.86
122	$1,837.32	$1,279.50	$557.82	$255,342.03
123	$1,837.32	$1,276.71	$560.61	$254,781.42
124	$1,837.32	$1,273.91	$563.42	$254,218.00
125	$1,837.32	$1,271.09	$566.23	$253,651.77
126	$1,837.32	$1,268.26	$569.06	$253,082.71
127	$1,837.32	$1,265.41	$571.91	$252,510.80
128	$1,837.32	$1,262.55	$574.77	$251,936.03
129	$1,837.32	$1,259.68	$577.64	$251,358.39
130	$1,837.32	$1,256.79	$580.53	$250,777.86
131	$1,837.32	$1,253.89	$583.43	$250,194.42
132	$1,837.32	$1,250.97	$586.35	$249,608.07
133	$1,837.32	$1,248.04	$589.28	$249,018.79
134	$1,837.32	$1,245.09	$592.23	$248,426.56
135	$1,837.32	$1,242.13	$595.19	$247,831.37
136	$1,837.32	$1,239.16	$598.17	$247,233.21
137	$1,837.32	$1,236.17	$601.16	$246,632.05
138	$1,837.32	$1,233.16	$604.16	$246,027.89
139	$1,837.32	$1,230.14	$607.18	$245,420.71
140	$1,837.32	$1,227.10	$610.22	$244,810.49
141	$1,837.32	$1,224.05	$613.27	$244,197.22
142	$1,837.32	$1,220.99	$616.34	$243,580.88
143	$1,837.32	$1,217.90	$619.42	$242,961.46
144	$1,837.32	$1,214.81	$622.52	$242,338.95
145	$1,837.32	$1,211.69	$625.63	$241,713.32
146	$1,837.32	$1,208.57	$628.76	$241,084.56
147	$1,837.32	$1,205.42	$631.90	$240,452.66
148	$1,837.32	$1,202.26	$635.06	$239,817.60
149	$1,837.32	$1,199.09	$638.23	$239,179.37
150	$1,837.32	$1,195.90	$641.43	$238,537.94
151	$1,837.32	$1,192.69	$644.63	$237,893.31
152	$1,837.32	$1,189.47	$647.86	$237,245.45
153	$1,837.32	$1,186.23	$651.10	$236,594.36
154	$1,837.32	$1,182.97	$654.35	$235,940.01
155	$1,837.32	$1,179.70	$657.62	$235,282.39
156	$1,837.32	$1,176.41	$660.91	$234,621.48
157	$1,837.32	$1,173.11	$664.22	$233,957.26
158	$1,837.32	$1,169.79	$667.54	$233,289.72
159	$1,837.32	$1,166.45	$670.87	$232,618.85
160	$1,837.32	$1,163.09	$674.23	$231,944.62
161	$1,837.32	$1,159.72	$677.60	$231,267.02
162	$1,837.32	$1,156.34	$680.99	$230,586.03
163	$1,837.32	$1,152.93	$684.39	$229,901.64
164	$1,837.32	$1,149.51	$687.81	$229,213.83
165	$1,837.32	$1,146.07	$691.25	$228,522.57
166	$1,837.32	$1,142.61	$694.71	$227,827.86
167	$1,837.32	$1,139.14	$698.18	$227,129.68
168	$1,837.32	$1,135.65	$701.67	$226,428.01
169	$1,837.32	$1,132.14	$705.18	$225,722.82
170	$1,837.32	$1,128.61	$708.71	$225,014.12
171	$1,837.32	$1,125.07	$712.25	$224,301.86
172	$1,837.32	$1,121.51	$715.81	$223,586.05
173	$1,837.32	$1,117.93	$719.39	$222,866.66
174	$1,837.32	$1,114.33	$722.99	$222,143.67
175	$1,837.32	$1,110.72	$726.60	$221,417.06
176	$1,837.32	$1,107.09	$730.24	$220,686.83
177	$1,837.32	$1,103.43	$733.89	$219,952.94
178	$1,837.32	$1,099.76	$737.56	$219,215.38
179	$1,837.32	$1,096.08	$741.25	$218,474.14
180	$1,837.32	$1,092.37	$744.95	$217,729.18
181	$1,837.32	$1,088.65	$748.68	$216,980.51
182	$1,837.32	$1,084.90	$752.42	$216,228.09
183	$1,837.32	$1,081.14	$756.18	$215,471.90
184	$1,837.32	$1,077.36	$759.96	$214,711.94
185	$1,837.32	$1,073.56	$763.76	$213,948.18
186	$1,837.32	$1,069.74	$767.58	$213,180.60
187	$1,837.32	$1,065.90	$771.42	$212,409.18
188	$1,837.32	$1,062.05	$775.28	$211,633.90
189	$1,837.32	$1,058.17	$779.15	$210,854.75
190	$1,837.32	$1,054.27	$783.05	$210,071.70
191	$1,837.32	$1,050.36	$786.96	$209,284.74
192	$1,837.32	$1,046.42	$790.90	$208,493.84
193	$1,837.32	$1,042.47	$794.85	$207,698.98
194	$1,837.32	$1,038.49	$798.83	$206,900.16
195	$1,837.32	$1,034.50	$802.82	$206,097.33
196	$1,837.32	$1,030.49	$806.84	$205,290.50
197	$1,837.32	$1,026.45	$810.87	$204,479.63
198	$1,837.32	$1,022.40	$814.92	$203,664.70
199	$1,837.32	$1,018.32	$819.00	$202,845.70
200	$1,837.32	$1,014.23	$823.09	$202,022.61
201	$1,837.32	$1,010.11	$827.21	$201,195.40
202	$1,837.32	$1,005.98	$831.35	$200,364.05
203	$1,837.32	$1,001.82	$835.50	$199,528.55
204	$1,837.32	$997.64	$839.68	$198,688.87
205	$1,837.32	$993.44	$843.88	$197,844.99
206	$1,837.32	$989.22	$848.10	$196,996.90
207	$1,837.32	$984.98	$852.34	$196,144.56
208	$1,837.32	$980.72	$856.60	$195,287.96
209	$1,837.32	$976.44	$860.88	$194,427.08
210	$1,837.32	$972.14	$865.19	$193,561.89
211	$1,837.32	$967.81	$869.51	$192,692.38
212	$1,837.32	$963.46	$873.86	$191,818.51
213	$1,837.32	$959.09	$878.23	$190,940.28
214	$1,837.32	$954.70	$882.62	$190,057.66
215	$1,837.32	$950.29	$887.03	$189,170.63
216	$1,837.32	$945.85	$891.47	$188,279.16
217	$1,837.32	$941.40	$895.93	$187,383.23
218	$1,837.32	$936.92	$900.41	$186,482.83
219	$1,837.32	$932.41	$904.91	$185,577.92
220	$1,837.32	$927.89	$909.43	$184,668.49
221	$1,837.32	$923.34	$913.98	$183,754.51
222	$1,837.32	$918.77	$918.55	$182,835.96
223	$1,837.32	$914.18	$923.14	$181,912.81
224	$1,837.32	$909.56	$927.76	$180,985.05
225	$1,837.32	$904.93	$932.40	$180,052.66
226	$1,837.32	$900.26	$937.06	$179,115.60
227	$1,837.32	$895.58	$941.74	$178,173.85
228	$1,837.32	$890.87	$946.45	$177,227.40
229	$1,837.32	$886.14	$951.19	$176,276.21
230	$1,837.32	$881.38	$955.94	$175,320.27
231	$1,837.32	$876.60	$960.72	$174,359.55
232	$1,837.32	$871.80	$965.52	$173,394.03
233	$1,837.32	$866.97	$970.35	$172,423.67
234	$1,837.32	$862.12	$975.20	$171,448.47
235	$1,837.32	$857.24	$980.08	$170,468.39
236	$1,837.32	$852.34	$984.98	$169,483.41
237	$1,837.32	$847.42	$989.91	$168,493.50
238	$1,837.32	$842.47	$994.86	$167,498.65
239	$1,837.32	$837.49	$999.83	$166,498.82
240	$1,837.32	$832.49	$1,004.83	$165,493.99
241	$1,837.32	$827.47	$1,009.85	$164,484.14
242	$1,837.32	$822.42	$1,014.90	$163,469.24
243	$1,837.32	$817.35	$1,019.98	$162,449.26
244	$1,837.32	$812.25	$1,025.08	$161,424.18
245	$1,837.32	$807.12	$1,030.20	$160,393.98
246	$1,837.32	$801.97	$1,035.35	$159,358.63
247	$1,837.32	$796.79	$1,040.53	$158,318.10
248	$1,837.32	$791.59	$1,045.73	$157,272.37
249	$1,837.32	$786.36	$1,050.96	$156,221.41
250	$1,837.32	$781.11	$1,056.22	$155,165.19
251	$1,837.32	$775.83	$1,061.50	$154,103.69
252	$1,837.32	$770.52	$1,066.80	$153,036.89
253	$1,837.32	$765.18	$1,072.14	$151,964.75
254	$1,837.32	$759.82	$1,077.50	$150,887.25
255	$1,837.32	$754.44	$1,082.89	$149,804.37
256	$1,837.32	$749.02	$1,088.30	$148,716.07
257	$1,837.32	$743.58	$1,093.74	$147,622.32
258	$1,837.32	$738.11	$1,099.21	$146,523.11
259	$1,837.32	$732.62	$1,104.71	$145,418.41
260	$1,837.32	$727.09	$1,110.23	$144,308.18
261	$1,837.32	$721.54	$1,115.78	$143,192.39
262	$1,837.32	$715.96	$1,121.36	$142,071.03
263	$1,837.32	$710.36	$1,126.97	$140,944.07
264	$1,837.32	$704.72	$1,132.60	$139,811.46
265	$1,837.32	$699.06	$1,138.27	$138,673.20
266	$1,837.32	$693.37	$1,143.96	$137,529.24
267	$1,837.32	$687.65	$1,149.68	$136,379.56
268	$1,837.32	$681.90	$1,155.42	$135,224.14
269	$1,837.32	$676.12	$1,161.20	$134,062.94
270	$1,837.32	$670.31	$1,167.01	$132,895.93
271	$1,837.32	$664.48	$1,172.84	$131,723.09
272	$1,837.32	$658.62	$1,178.71	$130,544.38
273	$1,837.32	$652.72	$1,184.60	$129,359.78
274	$1,837.32	$646.80	$1,190.52	$128,169.26
275	$1,837.32	$640.85	$1,196.48	$126,972.78
276	$1,837.32	$634.86	$1,202.46	$125,770.32
277	$1,837.32	$628.85	$1,208.47	$124,561.85
278	$1,837.32	$622.81	$1,214.51	$123,347.34
279	$1,837.32	$616.74	$1,220.59	$122,126.75
280	$1,837.32	$610.63	$1,226.69	$120,900.06
281	$1,837.32	$604.50	$1,232.82	$119,667.24
282	$1,837.32	$598.34	$1,238.99	$118,428.25
283	$1,837.32	$592.14	$1,245.18	$117,183.07
284	$1,837.32	$585.92	$1,251.41	$115,931.66
285	$1,837.32	$579.66	$1,257.66	$114,674.00
286	$1,837.32	$573.37	$1,263.95	$113,410.05
287	$1,837.32	$567.05	$1,270.27	$112,139.78
288	$1,837.32	$560.70	$1,276.62	$110,863.15
289	$1,837.32	$554.32	$1,283.01	$109,580.14
290	$1,837.32	$547.90	$1,289.42	$108,290.72
291	$1,837.32	$541.45	$1,295.87	$106,994.85
292	$1,837.32	$534.97	$1,302.35	$105,692.51
293	$1,837.32	$528.46	$1,308.86	$104,383.65
294	$1,837.32	$521.92	$1,315.40	$103,068.24
295	$1,837.32	$515.34	$1,321.98	$101,746.26
296	$1,837.32	$508.73	$1,328.59	$100,417.67
297	$1,837.32	$502.09	$1,335.23	$99,082.43
298	$1,837.32	$495.41	$1,341.91	$97,740.52
299	$1,837.32	$488.70	$1,348.62	$96,391.90
300	$1,837.32	$481.96	$1,355.36	$95,036.54
301	$1,837.32	$475.18	$1,362.14	$93,674.40
302	$1,837.32	$468.37	$1,368.95	$92,305.45
303	$1,837.32	$461.53	$1,375.80	$90,929.66
304	$1,837.32	$454.65	$1,382.67	$89,546.98
305	$1,837.32	$447.73	$1,389.59	$88,157.39
306	$1,837.32	$440.79	$1,396.54	$86,760.86
307	$1,837.32	$433.80	$1,403.52	$85,357.34
308	$1,837.32	$426.79	$1,410.54	$83,946.80
309	$1,837.32	$419.73	$1,417.59	$82,529.21
310	$1,837.32	$412.65	$1,424.68	$81,104.54
311	$1,837.32	$405.52	$1,431.80	$79,672.74
312	$1,837.32	$398.36	$1,438.96	$78,233.78
313	$1,837.32	$391.17	$1,446.15	$76,787.63
314	$1,837.32	$383.94	$1,453.38	$75,334.24
315	$1,837.32	$376.67	$1,460.65	$73,873.59
316	$1,837.32	$369.37	$1,467.95	$72,405.64
317	$1,837.32	$362.03	$1,475.29	$70,930.34
318	$1,837.32	$354.65	$1,482.67	$69,447.67
319	$1,837.32	$347.24	$1,490.08	$67,957.59
320	$1,837.32	$339.79	$1,497.53	$66,460.05
321	$1,837.32	$332.30	$1,505.02	$64,955.03
322	$1,837.32	$324.78	$1,512.55	$63,442.48
323	$1,837.32	$317.21	$1,520.11	$61,922.37
324	$1,837.32	$309.61	$1,527.71	$60,394.66
325	$1,837.32	$301.97	$1,535.35	$58,859.31
326	$1,837.32	$294.30	$1,543.03	$57,316.29
327	$1,837.32	$286.58	$1,550.74	$55,765.54
328	$1,837.32	$278.83	$1,558.49	$54,207.05
329	$1,837.32	$271.04	$1,566.29	$52,640.76
330	$1,837.32	$263.20	$1,574.12	$51,066.64
331	$1,837.32	$255.33	$1,581.99	$49,484.65
332	$1,837.32	$247.42	$1,589.90	$47,894.75
333	$1,837.32	$239.47	$1,597.85	$46,296.91
334	$1,837.32	$231.48	$1,605.84	$44,691.07
335	$1,837.32	$223.46	$1,613.87	$43,077.20
336	$1,837.32	$215.39	$1,621.94	$41,455.26
337	$1,837.32	$207.28	$1,630.05	$39,825.22
338	$1,837.32	$199.13	$1,638.20	$38,187.02
339	$1,837.32	$190.94	$1,646.39	$36,540.63
340	$1,837.32	$182.70	$1,654.62	$34,886.01
341	$1,837.32	$174.43	$1,662.89	$33,223.12
342	$1,837.32	$166.12	$1,671.21	$31,551.91
343	$1,837.32	$157.76	$1,679.56	$29,872.35
344	$1,837.32	$149.36	$1,687.96	$28,184.39
345	$1,837.32	$140.92	$1,696.40	$26,487.99
346	$1,837.32	$132.44	$1,704.88	$24,783.11
347	$1,837.32	$123.92	$1,713.41	$23,069.70
348	$1,837.32	$115.35	$1,721.97	$21,347.73
349	$1,837.32	$106.74	$1,730.58	$19,617.14
350	$1,837.32	$98.09	$1,739.24	$17,877.91
351	$1,837.32	$89.39	$1,747.93	$16,129.97
352	$1,837.32	$80.65	$1,756.67	$14,373.30
353	$1,837.32	$71.87	$1,765.46	$12,607.84
354	$1,837.32	$63.04	$1,774.28	$10,833.56
355	$1,837.32	$54.17	$1,783.15	$9,050.41
356	$1,837.32	$45.25	$1,792.07	$7,258.33
357	$1,837.32	$36.29	$1,801.03	$5,457.30
358	$1,837.32	$27.29	$1,810.04	$3,647.27
359	$1,837.32	$18.24	$1,819.09	$1,828.18
360	$1,837.32	$9.14	$1,828.18	$0.00

Rows 1–12 of 360

Worked example: VA Mortgage Calculator

First use zero down. This fixed reference example shows one complete scenario; the interactive results above use your current inputs.

View the example inputs

Home purchase price: 100000 $
Down payment: 0 %
VA purchase-loan usage: First use
Funding-fee exemption confirmed by VA: No
Annual nominal interest rate: 6 %
Term: 30 years

Calculated results for the fixed example
Calculated quantity	Example result
Funding-fee rate	2.15 %
Financed funding fee	$2,150.00
Total financed loan	$102,150.00
Scheduled monthly payment	$612.44
Payments until payoff	360 months
Total principal and interest	$220,478.71
Total interest	$118,328.71

Understanding payments, principal and borrowing cost

Compare the payment and the total cost

An installment payment depends on the amount borrowed, the periodic interest rate and the repayment term. A longer term can make each installment smaller while increasing the number of interest charges. Compare the total paid and the payoff horizon as well as the advertised monthly amount.

Keep the loan’s note interest rate separate from fees and APR unless the calculator specifically asks for APR. Financed fees increase the balance; upfront fees reduce cash received. A zero-interest loan still requires repayment of principal. Check whether the quoted rate is fixed and whether the repayment frequency matches the calculation.

Use a schedule to check what changes

A loan schedule allocates each payment between interest and principal, then reports the remaining balance. Extra principal can reduce later interest without reducing the scheduled installment. A new or recast loan can change the installment itself.

Schedules here retain calculation precision and round displayed cells. Their CSV exports let you inspect the full sequence. If a lender uses different posting dates, daily interest, fees or rounding, its statement can differ from this modeled schedule.

Formula and calculation method

Purchase funding fee: under 5% down, 2.15% first use or 3.3% subsequent use; 5% to under 10% down, 1.5%; at least 10% down, 1.25%. Confirmed exemptions use zero.

Fee applies to the base loan after down payment and is financed in this model.

Scope and Limitations

Standard VA-backed purchase loan only. Excludes refinance/manufactured-home exceptions, taxes, insurance, lender fees, eligibility and residual-income underwriting. Confirm exemption and applicability with VA/lender.

Reference Sources

VA: funding fees and closing costs

Frequently asked questions

How does this calculator work?

Purchase funding fee: under 5% down, 2.15% first use or 3.3% subsequent use; 5% to under 10% down, 1.5%; at least 10% down, 1.25%. Confirmed exemptions use zero.

What assumptions should I check?

Standard VA-backed purchase loan only. Excludes refinance/manufactured-home exceptions, taxes, insurance, lender fees, eligibility and residual-income underwriting. Confirm exemption and applicability with VA/lender. Fee applies to the base loan after down payment and is financed in this model.

Can I save or print this calculation?

Use Copy link with inputs to reproduce the scenario, Download results for a text record, or Print. Where a schedule is shown, its CSV download includes every row.