# VA Mortgage Calculator

> Free VA mortgage calculator: monthly payment with the 2026 VA funding fee included, zero PMI. Compare first-use, down-payment and IRRRL scenarios instantly.

- **Canonical URL:** https://boringtoolskit.com/va-mortgage-calculator/
- **Category:** Finance & Investing
- **Evidence level:** authored-methodology
- **Reviewed:** July 26, 2026
- **Last verified:** 2026-10-12
- **Privacy:** Inputs and results stay in this browser unless the page clearly labels an external request.

## Assumptions

- The VA funding fee is added to the loan when you select that option. Buyers who qualify for the disability exemption pay no funding fee.
- VA loans carry no monthly mortgage insurance, which is the main cost difference against a conventional loan at the same rate.
- The residual-income test, which varies by region and household size, is not modelled; it can reject a borrower that the debt-to-income ratio passes.
- Property tax and homeowners insurance are excluded from the payment unless entered separately.

## Sources

- [Calculation methodology and verification standard](/methodology/)

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*Local planning estimate. Verify current terms, rates, and policies before acting.*