// VA MORTGAGE SIMULATOR

VA MORTGAGE CALCULATOR

Full PITI breakdown — Principal, Interest, Taxes, Insurance — with amortization schedule and BAH coverage comparison.

// LOAN DETAILS

HOME PRICE ($)

DOWN PAYMENT (%)

INTEREST RATE (%)

LOAN TERM

PROPERTY TAX RATE (%/yr)

HOMEOWNERS INSURANCE ($/yr)

Disabled veteran (10%+) — Fee waived

FUNDING FEE %

YOUR RANK

ZIP CODE

$2,819

TOTAL MONTHLY PITI

Principal & Interest (P&I)

$2,319

Property Tax

$350

Homeowners Insurance

$150

Loan Amount

$357,525

VA Funding Fee

$7,525

Total Interest Paid

$484,804

Total Cost of Loan

$1,022,329

Your BAH (E5 — 76544)$1,440/mo

Monthly PITI$2,819/mo

Your BAH covers 51.1% of your mortgage

⚠ Out-of-pocket gap: $1,379/month. Consider homes priced lower or a higher BAH duty station.

Click EXPAND to see year-by-year balance, interest and principal breakdown over 30 years.

NOTES & ASSUMPTIONS

• VA funding fee rolled into loan amount by default

• No PMI required on VA loans (saves $100-300/month vs conventional)

• BAH rates shown are 2025 with-dependent rates (estimates for illustration)

• Property tax varies by county — check your local assessor

• HOI average $1,500-$2,500/yr; varies by location and home value

• Rates are estimates — contact a VA-approved lender for exact quotes