See how much you save vs a conventional mortgage — zero down, no PMI
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
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.
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%.
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.
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.
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.