Kostenloser VA Darlehens Rechner
Berechnen Sie VA loan payments including the VA funding fee. No PMI, no down payment required. See total costs for eligible veterans und service members.
Monthly Payment (P&I)
$2,201.34
Monthly Payment (P&I) vs Loan Term
Formel
## VA Loan Benefits VA loans are available to eligible veterans, active-duty service members, and surviving spouses. They offer significant advantages over conventional financing. ### Key Features - **No down payment required** (100% financing) - **No PMI or MIP** ever - **Competitive interest rates**, often lower than conventional - **No prepayment penalty** ### VA Funding Fee Instead of mortgage insurance, VA loans have a one-time funding fee: - First-time use, no down payment: 2.15% - Subsequent use, no down payment: 3.30% - With 5% down: 1.50% - With 10%+ down: 1.25% - Exempt: Veterans with service-connected disability The funding fee can be financed into the loan or paid at closing.
Lösungsbeispiel
A $350,000 home with $0 down, 6.25% rate, 30-year term, 2.15% funding fee financed.
- 01Base loan: $350,000 - $0 = $350,000
- 02VA funding fee: $350,000 x 2.15% = $7,525
- 03Total loan (fee financed): $350,000 + $7,525 = $357,525
- 04Monthly payment: $357,525 over 360 months at 6.25% = $2,201.37
- 05Total paid: $2,201.37 x 360 = $792,493
- 06Total interest: $792,493 - $357,525 = $434,968
Häufig Gestellte Fragen
Who is eligible for a VA loan?
Veterans with at least 90 days of wartime service or 181 days of peacetime service, active-duty members with 90+ days served, National Guard and Reserve members with 6+ years, and surviving spouses of veterans who died in service or from service-connected disability.
Can I use a VA loan more than once?
Yes. VA loan entitlement can be reused after paying off the previous VA loan. You can even have two VA loans simultaneously if you have remaining entitlement. The funding fee increases on subsequent use.
Is the VA funding fee worth paying?
The funding fee replaces monthly mortgage insurance, which saves money over time. A 2.15% fee on $350,000 is $7,525, while conventional PMI at 0.5% would cost $1,750/year until reaching 80% LTV. For long-term owners, the one-time fee is usually cheaper.