🏡 VA Home Loan Calculator
See how much you save vs a conventional mortgage — zero down, no PMI
The VA Loan Saves Most Buyers $30,000–$80,000+
The VA home loan is the single most powerful mortgage product in the United States — zero down payment, no PMI, competitive rates, and no prepayment penalty. On a $350,000 home, the typical veteran saves $40,000-$60,000 over 30 years compared to a conventional loan. Enter your home price below to see your exact savings.
Your Estimated VA Loan Savings Over 30 Years
🎖️ VA Loan
Conventional
Frequently Asked Questions
How much do you save with a VA loan?
On a $350,000 home, the typical VA loan saves $30,000-$80,000+ over 30 years. The savings come from zero down payment (keeping $12,250-$70,000 in your pocket), no PMI ($150-$300/month saved), and lower interest rates. Even after the funding fee, the VA loan is almost always cheaper.
What is the VA funding fee?
A one-time fee of 2.15% (first use, zero down) charged at closing. It can be rolled into the loan balance. Veterans with 10%+ VA disability rating are completely exempt. With 5% down, the fee drops to 1.5%. With 10% down, it drops to 1.25%.
Can you use a VA loan more than once?
Yes. After paying off a VA loan, your entitlement is restored. The funding fee increases to 3.3% for subsequent use with zero down. You can also have multiple VA loans simultaneously if you have remaining entitlement. And even without full entitlement, you can still use a VA loan. It would just require a down payment to make up for the reduced entitlement.
Is there a VA loan limit?
For veterans with full entitlement, there is no loan limit — you can borrow any amount a lender will approve with zero down. Veterans with reduced entitlement (existing VA loan) may have limits based on county conforming loan limits.
📋 Verify VA Loan Data
All data on this page comes from official government sources. Verify independently:
📎 VA Home Loan Program (VA.gov)📎 VA Funding Fee Tables📎 VA Loan Limits📍 This is an estimate. For official entitlements, talk to your installation's free financial resources:
Find Your Installation's Finance Office & Financial Counselors →Search for your base → Personal Financial Management / ACS / Fleet & Family Support / Airman & Family Readiness. All services are free and confidential.