Calculators
No down payment, no monthly mortgage insurance — but a one-time funding fee most borrowers pay instead. See what that actually costs you, financed or paid up front.
$2,201
Monthly payment (P&I)
$350,000
Base loan amount
$7,525
Funding fee
$357,525
Total loan amount
$0
Cash due for fee at closing
The funding fee percentage depends on down payment, first-vs-subsequent VA loan use, and service category — some veterans (service-connected disability) are exempt entirely. Confirm your exact fee before relying on this number.
These calculators provide estimates for educational purposes only — they are not a loan quote, rate lock, pre-approval, or commitment to lend, and actual figures depend on your full application, credit profile, and current rates through Unitas Lending. Property tax, insurance, and HOA figures are user-entered estimates, not verified amounts.
Want real numbers instead of an estimate? Get pre-approved.
Frequently Asked
No — VA loans allow 0% down for eligible borrowers, one of the few loan types that does. You still need to qualify on income, credit, and residual income requirements.
No — it varies by down payment amount and whether it's your first use of VA loan benefits or a subsequent use, and veterans with a service-connected disability are typically exempt entirely.