VA Purchase Calculator
Model a VA purchase with no down payment, including the funding fee rolled into the loan, so the monthly number on the page is the real one.
0.0% down. VA allows zero.
Illustrative — not a quoted rate.
Set by VA and driven by prior use and down payment.
Per year, share of price.
Per year, share of price.
Per month.
Estimated monthly payment
$3,811
A VA loan carries no monthly mortgage insurance
Illustrative only. Eligibility, entitlement and the exact funding fee are determined by the VA, not by this page.
Amortisation schedule
30 years, running totals at each year end.
| Year | Paid in year | Interest | Principal | Balance | Interest to date | Principal to date |
|---|---|---|---|---|---|---|
| Year 1 · 2026 | $37,737 | $31,752 | $5,985 | $504,765 | $31,752 | $5,985 |
| Year 2 · 2027 | $37,737 | $31,367 | $6,370 | $498,395 | $63,120 | $12,355 |
| Year 3 · 2028 | $37,737 | $30,958 | $6,780 | $491,616 | $94,077 | $19,134 |
| Year 4 · 2029 | $37,737 | $30,522 | $7,216 | $484,400 | $124,599 | $26,350 |
| Year 5 · 2030 | $37,737 | $30,057 | $7,680 | $476,720 | $154,656 | $34,030 |
| Year 6 · 2031 | $37,737 | $29,563 | $8,174 | $468,546 | $184,220 | $42,204 |
| Year 7 · 2032 | $37,737 | $29,038 | $8,700 | $459,847 | $213,258 | $50,903 |
| Year 8 · 2033 | $37,737 | $28,478 | $9,259 | $450,587 | $241,736 | $60,163 |
| Year 9 · 2034 | $37,737 | $27,883 | $9,855 | $440,733 | $269,618 | $70,017 |
| Year 10 · 2035 | $37,737 | $27,249 | $10,489 | $430,244 | $296,867 | $80,506 |
| Year 11 · 2036 | $37,737 | $26,574 | $11,163 | $419,081 | $323,441 | $91,669 |
| Year 12 · 2037 | $37,737 | $25,856 | $11,881 | $407,200 | $349,297 | $103,550 |
| Year 13 · 2038 | $37,737 | $25,092 | $12,645 | $394,554 | $374,389 | $116,196 |
| Year 14 · 2039 | $37,737 | $24,278 | $13,459 | $381,095 | $398,668 | $129,655 |
| Year 15 · 2040 | $37,737 | $23,413 | $14,325 | $366,771 | $422,080 | $143,979 |
| Year 16 · 2041 | $37,737 | $22,491 | $15,246 | $351,525 | $444,572 | $159,225 |
| Year 17 · 2042 | $37,737 | $21,511 | $16,227 | $335,298 | $466,082 | $175,452 |
| Year 18 · 2043 | $37,737 | $20,467 | $17,270 | $318,028 | $486,549 | $192,722 |
| Year 19 · 2044 | $37,737 | $19,356 | $18,381 | $299,647 | $505,905 | $211,103 |
| Year 20 · 2045 | $37,737 | $18,174 | $19,564 | $280,083 | $524,079 | $230,667 |
| Year 21 · 2046 | $37,737 | $16,915 | $20,822 | $259,261 | $540,995 | $251,489 |
| Year 22 · 2047 | $37,737 | $15,576 | $22,161 | $237,100 | $556,571 | $273,650 |
| Year 23 · 2048 | $37,737 | $14,151 | $23,587 | $213,513 | $570,722 | $297,237 |
| Year 24 · 2049 | $37,737 | $12,634 | $25,104 | $188,410 | $583,355 | $322,340 |
| Year 25 · 2050 | $37,737 | $11,019 | $26,718 | $161,691 | $594,374 | $349,059 |
| Year 26 · 2051 | $37,737 | $9,300 | $28,437 | $133,254 | $603,674 | $377,496 |
| Year 27 · 2052 | $37,737 | $7,471 | $30,266 | $102,988 | $611,145 | $407,762 |
| Year 28 · 2053 | $37,737 | $5,524 | $32,213 | $70,775 | $616,670 | $439,975 |
| Year 29 · 2054 | $37,737 | $3,452 | $34,285 | $36,490 | $620,122 | $474,260 |
| Year 30 · 2055 | $37,737 | $1,247 | $36,490 | $0 | $621,369 | $510,750 |
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