VA Mortgage Calculator

$
years
%

Monthly Pay: $3,272.75

House Price $500,000.00
VA Funding Fee (2.15%) $10,750.00
Down Payment $0.00
Loan Amount $510,750.00

Monthly Cost Breakdown:

Principal & Interest $3,272.75
Property Tax $0.00
Home Insurance $0.00
HOA Fee $0.00
Other Costs $0.00
Total Monthly Payment $3,272.75
Total of 360 Mortgage Payments $1,178,190.93
Total Interest $667,440.93
Mortgage Payoff Date Apr. 2055

Amortization Schedule

Year Interest Principal Ending Balance

Total Cost Over Time (Including Additional Costs)

Want the full playbook for VA loans in 2025?

You're just getting started.

We broke down everything you need to know — straight to the point, no boring jargon.

Here's what you'll learn inside the full guide:

1. Overview of VA Loans in 2025

How VA loans work this year — and why they're still the best deal for veterans and service members.

2. VA Funding Fee (Updated 2025)

The latest funding fee rates (plus how to lower or skip it completely).

3. Other Closing Costs and Fees

What you'll pay, what you won't — and smart ways to negotiate costs.

4. VA Loan Pros and Cons in 2025

The real advantages (and the few downsides) you need to know before you buy.

5. Prepayment Rules and Benefits

Why VA loans give you the freedom to pay off or refinance with no penalties.

6. VA Loan Limits and House Affordability

How much home you can afford — and why most vets now have no loan limit at all.

7. Recent Market Trends (2023–2025)

Where rates, home prices, and VA loan usage are heading right now.

8. Tips for Using VA Loans Effectively

Pro-level strategies to save money, avoid mistakes, and maximize your benefits.