VA loans for eligible veterans and service members allow 0% down and require no monthly mortgage insurance. This calculator defaults to $0 down and no PMI. Note that most VA loans include a one-time funding fee, which isn't part of the monthly payment.
How this calculator works
Enter your numbers and the monthly payment recalculates instantly — no submit button, no page reload. The payment breakdown separates principal, interest, taxes, insurance, PMI and HOA. Use the tabs to view a full amortization schedule, compare scenarios side by side, or work backward from a monthly budget. Your inputs are encoded in the page link so you can bookmark or share a scenario without any account.