🎖️ MILITARY BENEFIT CALCULATOR
VA Loan Funding Fee
Calculator 2026
Instant funding fee, full PITI payment, amortization schedule, VA vs Conventional comparison -- all with PDF export.
0%Down Payment
$0PMI Required
2.15%Min Fee Rate
100%Free Tool
Quick VA Funding Fee Estimate
Instant results as you type -- no button needed.
🏠 Loan Details
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💡5% Down Savings: Moving from 0%→5% down cuts your fee from 2.15%→1.50% -- saving $2,275 on a $350k loan.
VA Funding Fee
$7,525
2.15% of base loan
Purchase Price$350,000
Down Payment$0 (0%)
Base Loan Amount$350,000
+ Funding Fee$7,525
Total Loan Amount
$357,525
Monthly Payment (P+I)$2,319/mo
Total Interest (lifetime)$476,726
Total Cost$834,251
📊 Cost Breakdown
Principal
Funding Fee
Down Payment
Interest
📈 Balance Over Time
Full Monthly Payment (PITI)
Taxes, insurance, HOA included for true cost of ownership.
🏠 Loan
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💰 Monthly Expenses
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$
$
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Total Monthly (PITI)
$2,970/mo
Principal + Interest + Tax + Insurance + HOA
📊 Breakdown
P&I
Property Tax
Insurance
HOA
Principal & Interest$2,319/mo
Property Tax$350/mo
Insurance$150/mo
HOA$0/mo
Funding Fee$7,525
Total Loan + Fee$357,525
Cash Needed to Close$5,000
30-Year Total Cost
$1,069,200
Down Payment Scenario Comparison
0%, 5%, 10%, 20% down -- which saves you most over time?
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⚖️ Side-by-Side Results
| Fill inputs above -- auto calculates |
📊 Fee vs Total Cost Chart
VA Loan vs Conventional Loan
See exactly how much VA saves you over 30 years.
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🎖️ VA Loan
Loan Amount--
Funding Fee--
Monthly P+I--
Monthly PMI$0 -- Never!
Total Monthly--
Total Interest--
Total Cost--
🏦 Conventional
Loan Amount--
Funding Fee$0
Monthly P+I--
Monthly PMI--
Total Monthly--
Total Interest--
Total Cost--
📊 Monthly Cost Comparison
Amortization Schedule
Year-by-year breakdown. Add extra payments to see early payoff.
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%
$
$834,251
Total Paid
$476,726
Total Interest
2055
Payoff Year
📈 Balance & Interest Over Time
| Year | Pmt/mo | Principal Paid | Interest Paid | Remaining Balance | Equity |
|---|
VA Funding Fee Rate Guide (2024-2026)
Official rates from VA.gov -- bookmark this page.
🏠 Purchase & Construction Loans
| Military Category | 1st Use -- 0% Down | 1st Use -- 5%+ Down | 1st Use -- 10%+ Down | Subsequent Use |
|---|---|---|---|---|
| Regular Military (Active/Reserve) | 2.15% | 1.50% | 1.25% | 3.30% |
| National Guard / Reserves | 2.40% | 1.75% | 1.50% | 3.30% |
🔄 Refinance Loans
| Loan Type | Regular Military | Reserves / Nat'l Guard |
|---|---|---|
| Cash-Out Refinance (1st Use) | 2.15% | 2.40% |
| Cash-Out Refinance (Subsequent) | 3.30% | 3.30% |
| IRRRL / Streamline Refinance | 0.50% | 0.50% |
| Loan Assumption | 0.50% | 0.50% |
| Native American Direct Loan | 1.25% | N/A |
💡 Expert Strategy Tips
✅Roll it into the loan: Fund your fee inside the loan -- no cash needed at closing. Your rate stays the same.
ℹ️No PMI -- ever: VA loans never require Private Mortgage Insurance, saving $100-$300/month vs conventional, regardless of down payment.
⚠️Subsequent use penalty: Used a VA loan before? 0% down triggers 3.30% -- but putting 5% down does NOT reduce this for subsequent use. Plan accordingly.
💰5% sweet spot: First-time users -- 5% down cuts fee from 2.15%→1.50% (30% reduction). On a $400k loan that's $2,600 saved.
❗Check your rating: Even a pending disability claim can qualify for exemption. Always confirm your status before closing -- you can get a refund if later approved.