USAVA Home Loan & Funding Fee (0% Down)Finance & SalaryUS VA Home Loan, 0% Down Payment & VA Funding Fee Calculator
Calculate your Department of Veterans Affairs (VA) home purchase loan, no-down-payment benefits (0% down, zero monthly PMI), and statutory VA Funding Fee based on first-time vs. subsequent use and disability waiver exemption.
Calculator Inputs
Live Real-TimeTotal Financed VA Mortgage Loan (Including Funding Fee)
VA Funding Fee Added to Loan ($)
$7,500
Monthly Savings from Zero PMI Requirement
$234.38
Detailed Calculation Breakdown
Calculation Methodology
Funding Fee Rate = 2.15% (First Use, <5% down) or 3.3% (Subsequent Use, <5% down), reduced to 1.5% with 5-10% down, or 1.25% with 10%+ down. VA Funding Fee ($) = Base Loan * Funding Fee Rate.
Important Legal & Educational Disclaimer
Veterans with a service-connected disability rating of 10% or higher are 100% exempt from paying the VA funding fee.
This calculator is designed for educational and informational purposes only based on public statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimations. Always verify with the relevant official authorities or a certified professional advisor.
Frequently Asked Questions
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