VA Home Loan Benefit Calculator
See what $0-down actually saves: VA vs. conventional monthly payment and upfront cash, with the funding fee computed.
⚠ Educational Information Only. This content provides general educational information based on verified government sources. It is not financial, legal, or tax advice. Your situation is unique — please consult a licensed professional before making any decisions. Find a Trusted Professional →
VA loan ($0 down) vs. conventional
Upfront cash needed — VA$0 down
Upfront cash needed — conventional (10% down)$30,000
VA funding fee (2.15%, typically financed)$6,450
Monthly payment — VA (fee financed)$1,937/mo
Monthly payment — conventional$1,707/mo
Principal & interest only — excludes taxes, insurance, and (for conventional loans under 20% down) private mortgage insurance, which VA loans never charge. Funding fee percentages per the published va.gov table. Confirm current figures at va.gov before acting.
Sources: Funding fee table per va.gov.
This calculation is for educational planning purposes only. Results depend on your specific situation. Find a Professional →