0
Veterans received a personalized quote in the past 24 hours
VA Affordability • Realistic Estimate
VA Mortgage Affordability Calculator
Get a more accurate max home price estimate by factoring in income, debts, taxes, insurance, HOA, and VA funding fee (if applicable). This is the kind of estimate that matches how lenders think about your monthly payment.
Your Numbers
Adjust sliders/fields — results update instantly.
This controls how aggressive the estimate is. (More conservative = lower DTI.)
Estimated Max Home Price
$0
Target Max Housing Payment
$0/mo
Est. Principal & Interest
$0/mo
Taxes + Insurance + HOA
$0/mo
Est. Total Loan (w/ funding fee)
$0
Base Loan (before funding fee)
$0
This is an estimate for planning. Actual approval depends on full underwriting (income type, credit, residual income, assets, occupancy, etc.).
Want the most accurate number? Submit the short form below and we’ll confirm your true range.
What this calculator includes
So your estimate matches real-world payments.
- Principal & interest based on rate + term
- Property taxes, homeowners insurance, HOA
- VA funding fee (exempt / first use / subsequent)
- Debt-to-income limit to control how aggressive it is
How to use it
- Set income and monthly debts
- Enter realistic taxes/insurance/HOA
- Select VA funding fee category
- Adjust DTI to be conservative or aggressive
Want a faster answer?
If you’re actively shopping, submit the form and we’ll confirm your range quickly.
Affordability FAQs
Why does taxes/insurance/HOA change affordability so much?
Because those costs reduce what’s available for principal & interest. Two borrowers with the same income can have very different max prices depending on escrow/HOA.
Is the VA funding fee included in the loan?
Often yes — it can be financed into the loan amount. If you’re exempt (commonly 10%+ disabled), the fee can be $0.
What DTI should I use?
For planning, 40–45% is more conservative. VA approvals can vary based on residual income and the full profile, so your true limit may be higher or lower.
How do I get an exact number?
Submit the short form on this page. We’ll confirm your actual range based on income type, debts, credit profile, and current pricing.
Disclosures: NMLS #213875 • Estimates only. Terms depend on credit, income, assets, property and market conditions. Subject to underwriting approval. Not a commitment to lend. Equal Housing Lender.