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VA rates from 5.750% · $0 down · No PMI Check rate →
Free VA loan calculator · Instant results

VA Mortgage Calculator

Calculate your estimated VA loan payment. Adjust home price, rate, and term to see your monthly cost with $0 down and no PMI.

$400,000
5.750%
30 years
$4,000
$1,800
Est. Monthly Payment
$2,818
Principal & Interest$2,334
Property Tax$333
Insurance$150
PMI$0
Down Payment$0
Get Exact Rate

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SIDE BY SIDE

VA vs FHA vs Conventional

On a $400,000 home purchase with minimum down payment:

VA Loan
Best value
Down payment$0
Rate5.750%
PMI/MIP$0/mo
P&I Payment$2,334/mo
Total monthly$2,334
FHA Loan
Down payment$14,000
Rate5.875%
MIP$251/mo
P&I Payment$2,283/mo
Total monthly$2,534
Conventional (5% down)
Down payment$20,000
Rate6.125%
PMI$183/mo
P&I Payment$2,310/mo
Total monthly$2,493
AFFORDABILITY

How Much Can You Afford?

Income: $75,000/yr
~$350K
Estimated home budget
Income: $100,000/yr
~$470K
Estimated home budget
Income: $150,000/yr
~$700K
Estimated home budget

Estimates assume 41% DTI, $0 down VA loan at 5.750%, $400/mo other debt. Actual qualification depends on credit, employment, and residual income.

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Get your personalized VA rate in 60 seconds. No SSN. No credit impact.

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FAQ

Frequently Asked Questions

Your VA monthly payment includes principal and interest (based on loan amount, rate, and term), plus property taxes and homeowners insurance. Unlike FHA and conventional, VA loans have $0 PMI. The VA funding fee can be financed into the loan amount.
A general guideline is 4-5x your annual income, but VA loans are more flexible than conventional. VA uses a residual income test in addition to debt-to-income ratio, which often allows higher purchase prices than other programs.
Our calculator shows principal and interest, property taxes, and homeowners insurance. It does not include HOA fees, utilities, or maintenance. The VA funding fee, if financed, would be added to the loan amount.
VA payments are lower for three reasons: lower interest rates (currently 5.750% vs 6.125% conventional), $0 down payment (no additional loan amount from low down payment), and $0 PMI/MIP (saves $150-400+/month).
RELATED

Related Resources

Today's VA RatesVA Purchase LoansVA Refinance OptionsClosing CostsLoan Limits
EXPLORE

Related Resources

VA Rates TodayVA PurchaseClosing CostsFunding FeeLoan Limits
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YOUR VA RATE

Get Your Exact Payment

The calculator gives estimates. For your real rate and payment, get a personalized quote in 60 seconds.

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No SSN required · No credit impact · NMLS #65506 · Equal Housing Lender

EXTRA PAYMENTS

Pay Off Your Loan Faster

See how extra monthly payments can save you thousands in interest and years off your loan.

$200
Interest Saved
$52,847
Years Saved
5.2 yrs
New Payoff
24.8 yrs

Based on $400,000 VA loan at 5.750% over 30 years. VA loans have no prepayment penalty.

REVIEWS

What VA Buyers Say

★★★★★

"$0 down, no PMI, lowest rate I found. Valley West closed my VA loan in 24 days."

— VA buyer, Las Vegas
★★★★★

"Third VA purchase with Valley West. They shop 50+ lenders every time. Always the best deal."

— VA buyer, Henderson
★★★★★

"Saved $66K over conventional. Zero fees, zero hassle. Valley West knows VA loans."

— VA buyer, North Las Vegas
LIFETIME SAVINGS

VA Loan Lifetime Savings

The true cost difference between VA, FHA, and conventional loans over the full 30-year term.

VA Loan
Total paid over 30 years
$0
$0 down · $0 PMI · 5.750% rate
Monthly: $2,334 P&I
Best total cost
FHA Loan
Total paid over 30 years
$0
3.5% down · MIP for life · 5.875%
Monthly: $2,617 (P&I + MIP)
+$101K more
Conventional (5% down)
Total paid over 30 years
$0
5% down · PMI ~7 years · 6.125%
Monthly: $2,613 (P&I + PMI)
+$175K more
WHY US
The Valley West Difference
50+
Lenders competing for your VA loan.
$0
Down payment. $0 PMI. $0 fees.
28
Average days to close.
4.9★
790+ five-star reviews.
Check Your VA Rate →

VA Loan Resources

→ VA Eligibility → VA Rates Today → VA Calculator → VA Purchase → VA Refinance → VA Guide → First-Time Buyer → Funding Fee → Closing Costs → VA vs FHA
FAQ

Frequently Asked Questions

Enter your home price, subtract any down payment (often $0 for VA), add your interest rate, and select your loan term (typically 30 years). The calculator computes principal and interest. VA loans have no monthly PMI, so your payment is lower than conventional loans at the same rate.

A VA mortgage payment includes principal, interest, property taxes, and homeowner's insurance (PITI). Unlike FHA and conventional loans, VA loans do not include monthly mortgage insurance. You may also have an escrow account for taxes and insurance.

Lenders typically use a 41% debt-to-income ratio for VA loans, though higher ratios may be approved with compensating factors. For example, with $6,000 monthly income and $500 in existing debts, you could qualify for approximately a $1,960 monthly mortgage payment.

Yes, typically. VA loans have no monthly PMI (saving $100-300/month), often have lower interest rates (0.25-0.50% less), and require $0 down payment. On a $400,000 home, a VA borrower saves approximately $200-400/month compared to a conventional borrower with 5% down.

VA loan rates depend on your credit score, loan amount, loan term, and market conditions. Veterans with 740+ credit scores typically get the best rates. Valley West Mortgage shops 50+ wholesale lenders to find the lowest available rate for your specific profile.

VA rates from 5.750%
(702) 696-9900Check VA Rate