Free · No Sign-Up · Built by Veterans
VA Loan Tools & Calculators
Run your own numbers before you talk to anyone — the same math our team uses, with the 2026 VA funding fee tables and rules built in.
4
Calculators
$0
Cost / Sign-Up
2026
Funding Fee Data
Never
PMI Assumed
VA Payment Calculator
Your true monthly payment — funding fee included, PMI excluded (VA loans never charge it).
- Full 2026 funding fee table applied automatically
- Finance-the-fee vs pay-at-closing toggle
- Worked examples at three price points
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Affordability Calculator
How much house your income supports at $0 down, using the VA's 41% DTI guideline. BAH counts.
- BAH counts as qualifying income
- Buying-power reference table by income
- Why residual income can approve you above 41%
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Buydown Calculator
2-1, 1-1, and 1-0 temporary buydowns: year-by-year payments and the cost to negotiate from the seller.
- Exact escrow cost to ask the seller to fund
- Year-by-year payment schedule
- Buydown vs price-cut negotiation math
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IRRRL Refinance Calculator
Streamline-refi savings with the 0.50% fee and the VA's 36-month recoupment rule built in.
- Pass/fail check on the VA's 36-month recoupment rule
- Savings matrix by rate drop
- Funding-fee exemption toggle for disability-rated vets
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Straight Answers
About these tools
Are these VA calculators really free?
Yes — free, no sign-up, no email wall, no credit pull. They exist so veterans can run honest numbers before talking to anyone, including us.
How accurate are the results?
The math is standard 30-year amortization with the official 2026 VA funding fee schedule built in, and we verify it against reference amortization tables. What the tools can't know is your exact rate, taxes, and insurance — a pre-approval turns estimates into underwritten numbers.
Do these tools work for active-duty buyers using BAH?
Yes — BAH is qualifying income on a VA loan. The affordability calculator includes it in your income, and every installation page on this site lists official 2026 BAH rates with a payment estimator pre-filled with local home values.
What's the difference between these and my bank's calculator?
Generic calculators add PMI that VA loans don't charge, skip the funding fee entirely, and know nothing about IRRRL recoupment rules or buydown escrows. These are built VA-first, because that's all we do.
Local Numbers
Want your base's exact numbers?
Every installation we serve has its own page with official 2026 BAH tables and a payment estimator pre-filled with local home values — find your duty station.