Calculadora de Préstamo VA — Fórmula

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.

    Ejemplo Resuelto

    A $350,000 home with $0 down, 6.25% rate, 30-year term, 2.15% funding fee financed.

    1. Base loan: $350,000 - $0 = $350,000
    2. VA funding fee: $350,000 x 2.15% = $7,525
    3. Total loan (fee financed): $350,000 + $7,525 = $357,525
    4. Monthly payment: $357,525 over 360 months at 6.25% = $2,201.37
    5. Total paid: $2,201.37 x 360 = $792,493
    6. Total interest: $792,493 - $357,525 = $434,968