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