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Built for veterans & military families

VA Loan Calculators for Veterans & Military Families

Before you make a move, know your numbers. Our VA loan calculators help you estimate payments, affordability, and refinance savings using your VA benefits — and then our team double-checks everything for you.

  • Estimate how much home you can afford with a VA loan.
  • See an estimated monthly payment for your target price range.
  • Compare your current loan to a new VA refinance and potential savings.

Choose the VA Loan Calculator You Need

Use the tools below to get quick estimates. When you’re ready, request a free VA loan review and we’ll turn your numbers into a personalized game plan.

Step 1 Plan your budget

VA Affordability Calculator

Find out how much home you may qualify to buy with your VA benefits based on your income, debts, and estimated loan terms.

Open Affordability Calculator ↗
Step 2 Check your payment

VA Payment Calculator

Start with a purchase price and estimate your monthly VA mortgage payment, including principal, interest, taxes, and insurance.

Open Payment Calculator ↗
Step 3 Compare savings

VA Refinance Savings Calculator

Already have a mortgage? Compare your current loan to a new VA rate and term and estimate your potential monthly and lifetime savings.

Open Refinance Calculator ↗
Free VA loan review

Get a Free VA Loan Analysis After You Calculate

After you run the numbers, let our team double-check everything and show you what’s possible. We work with veterans and military families every day — including all credit types and complex situations.

  • Review your VA eligibility and benefit options.
  • Confirm if your payment and purchase price are realistic.
  • Check for lower rates, reduced funding fees, or no-money-down options.
  • Map out your next steps to get into a home or refinance smarter.

No obligation. No pressure. Just straight answers and a plan built around your VA benefits.

Request Your Free VA Loan Analysis
Tell us a little about your situation and we’ll follow up with custom numbers, not just a generic estimate.

By submitting, you agree to be contacted by phone, text, or email. We respect your privacy and do not sell your information.

Why Veterans Use Our VA Loan Calculators

These tools are built around VA loans — not generic mortgage calculators — and backed by a team that understands VA underwriting, manual approvals, and real-world scenarios.

Designed for VA loans: We focus on VA rules, VA eligibility, and common scenarios for veterans and active duty.
All credit types welcome: Late payments, lower scores, or past challenges do not automatically stop you.
Realistic estimates: We use practical assumptions for rates, taxes, and insurance instead of “too good to be true” numbers.
Backed by a human review: A VA-focused loan specialist reviews your file and gives you options.

After you calculate, don’t guess. Use the form above to request a free VA loan analysis, or click your application link to get started.

Frequently Asked Questions About VA Loan Calculators

Are your VA loan calculators accurate?
Our calculators are built around VA loan guidelines and practical, real-world assumptions for rates, taxes, and insurance. They give you strong estimates. Once you share your information, we review your full profile and provide a personalized quote based on your exact situation.
Do I need perfect credit to use these VA calculators?
No. These tools are designed for all credit types, including veterans who are rebuilding credit or have had late payments. If your situation is complex, we adjust the numbers and help outline a realistic path forward.
Will using these calculators affect my credit score?
No. Using our VA loan calculators does not pull your credit and will not impact your score. If you decide to apply, we will explain the next steps and get your permission before any credit check.
What’s the difference between the Affordability and Payment calculators?
The Affordability Calculator estimates how much home you may be able to buy based on your income, debts, and typical VA loan terms. The Payment Calculator starts with a price and shows your estimated monthly payment, including principal, interest, taxes, and insurance.
Can I use these VA calculators if I already own a home?
Yes. Many veterans use these tools when planning a move-up purchase or a refinance. Use the Refinance Calculator to estimate savings, or the Affordability Calculator if you plan to buy another home with your VA benefits.