VA Home Loan
affordability & Payment Calculator
Estimate your loan pre-approval based on your income, expenses and affordability.
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Your Military Details
Military Type
a home price up to
0
would be
AFFORDABLE
& your monthly payment
would be
0
Monthly debts exceed Debt to Income Ratio. Drag the bar to a lower ratio, or give us a call at 1(866) VET-LNDR (838-5637) to speak with a VA Loan specialist about what you can afford.
DTI (Debt to Income ratio) is the ratio of your major monthly debt payments to your gross monthly income. With VA loans, a DTI ratio grater than 41 percent can require closer scrutiny. Veterans should find a balance that works for them and their goals.
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Pricipal & Interest
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Taxes
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Homeowner's Insurance
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VA Funding Fee
Loan Totals
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Purchase Price
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Down Payment
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VA Funding Fee
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Total Loan Amount
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Total Payable
Rate Assumptions
VA Loan Rates and APR
Rates and APR calculations are current as of the latest update. Mortgage rates are subject to daily updates. Availability of loan types varies by state.
All rate availability is contingent upon the individual's credit score and specific details of the loan transaction. First-time home-buyers may not qualify for jumbo products. The presented interest rates are subject to change without notice and are not guaranteed until locked in by your Loan Officer.
Assumptions:
- Owner-occupied primary residence (excluding manufactured homes)
- Default credit score of 720 (modifiable via our interactive drop-down menu; changes may affect displayed rates)
- Includes applicable charges and fees (including the VA Funding Fee)
- Assumes 181 days of eligible active regular (non-reserves) military service with no service-related disabilities or prior use of a VA Loan
Fixed-Rate Purchase Loan Assumptions:
In addition to the above assumptions:
- Assumes a 30-day lock period
- No down payment required
- Loan amount of $295,000
Streamline (IRRRL) Loan Assumptions:
In addition to the above assumptions:
- Assumes a 45-day lock period
Cash-Out Loan Assumptions:
In addition to the above assumptions:
- Assumes a 60-day lock period
- Loan-to-value ratio lower than 90%
Jumbo Loan Assumptions:
In addition to the above assumptions:
- Jumbo purchase loans assume a 45-day lock period
- Jumbo IRRRLs assume a 45-day lock period
- Jumbo Cash-outs assume a 60-day lock period
- All Jumbo loan rates assume a loan amount exceeding the conforming loan limit, which varies by location
- Special considerations apply for Alaska, California, and Hawaii loans regarding jumbo qualifications and pricing
These rates are accurate as of
Friday, December 20th, 2024 at 10:35 AM PST
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