| Loan | Early Payoff | Extra Payments | Biweekly Payment | Balloon Payment | Interest Only | Comparison |
VA Loan Calculator
Use the VA loan calculator to calculate the monthly payments for any home va loans. VA home loans are useful for homebuyers who qualify with very low mortgage rates.
VA Mortgage Calculator |
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| Home Value: | $235,000.00 | |||||
| Mortgage Amount: | $240,640.00 | |||||
| Monthly Principal & Interest: | $1,100.83 | |||||
| Monthly Extra Payment: | $0.00 | |||||
| Monthly Property Tax: | $178.33 | |||||
| Monthly Home Insurance: | $80.83 | |||||
| Monthly HOA Fees: | $0.00 | |||||
Total Monthly Payment: |
$1,360.00 |
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| Total # Of Payments: | 360 | |||||
| Start Date: | Apr, 2025 | |||||
| Payoff Date: | Mar, 2055 | |||||
| Down Payment: | $5,000.00 | |||||
| Principal (includes funding fee): | $240,640.00 | |||||
| Total Extra Payment: | $0.00 | |||||
| Total Interest Paid: | $155,659.05 | |||||
| Total Tax, Insurance and Fees: | $93,300.00 | |||||
Total of all Payments: |
$494,599.05 |
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VA Loan Amortization Schedule |
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| Payment Date | Payment # | Interest | Principal | Tax, Insurance & Fees | Total Payment | Balance |
|---|---|---|---|---|---|---|
| Apr, 2025 | 1 | $731.95 | $368.88 | $259.17 | $1,360.00 | $240,271.12 |
| May, 2025 | 2 | $730.82 | $370.01 | $259.17 | $1,360.00 | $239,901.11 |
| Jun, 2025 | 3 | $729.70 | $371.13 | $259.17 | $1,360.00 | $239,529.98 |
| Jul, 2025 | 4 | $728.57 | $372.26 | $259.17 | $1,360.00 | $239,157.72 |
| Aug, 2025 | 5 | $727.44 | $373.39 | $259.17 | $1,360.00 | $238,784.33 |
| Sep, 2025 | 6 | $726.30 | $374.53 | $259.17 | $1,360.00 | $238,409.80 |
| Oct, 2025 | 7 | $725.16 | $375.67 | $259.17 | $1,360.00 | $238,034.13 |
| Nov, 2025 | 8 | $724.02 | $376.81 | $259.17 | $1,360.00 | $237,657.32 |
| Dec, 2025 | 9 | $722.87 | $377.96 | $259.17 | $1,360.00 | $237,279.36 |
| Jan, 2026 | 10 | $721.72 | $379.11 | $259.17 | $1,360.00 | $236,900.26 |
| Feb, 2026 | 11 | $720.57 | $380.26 | $259.17 | $1,360.00 | $236,520.00 |
| Mar, 2026 | 12 | $719.41 | $381.42 | $259.17 | $1,360.00 | $236,138.58 |
| Apr, 2026 | 13 | $718.25 | $382.58 | $259.17 | $1,360.00 | $235,756.01 |
| May, 2026 | 14 | $717.09 | $383.74 | $259.17 | $1,360.00 | $235,372.27 |
| Jun, 2026 | 15 | $715.92 | $384.91 | $259.17 | $1,360.00 | $234,987.36 |
| Jul, 2026 | 16 | $714.75 | $386.08 | $259.17 | $1,360.00 | $234,601.28 |
| Aug, 2026 | 17 | $713.58 | $387.25 | $259.17 | $1,360.00 | $234,214.03 |
| Sep, 2026 | 18 | $712.40 | $388.43 | $259.17 | $1,360.00 | $233,825.60 |
| Oct, 2026 | 19 | $711.22 | $389.61 | $259.17 | $1,360.00 | $233,435.99 |
| Nov, 2026 | 20 | $710.03 | $390.80 | $259.17 | $1,360.00 | $233,045.19 |
| Dec, 2026 | 21 | $708.85 | $391.98 | $259.17 | $1,360.00 | $232,653.21 |
| Jan, 2027 | 22 | $707.65 | $393.18 | $259.17 | $1,360.00 | $232,260.03 |
| Feb, 2027 | 23 | $706.46 | $394.37 | $259.17 | $1,360.00 | $231,865.66 |
| Mar, 2027 | 24 | $705.26 | $395.57 | $259.17 | $1,360.00 | $231,470.09 |
| Apr, 2027 | 25 | $704.05 | $396.78 | $259.17 | $1,360.00 | $231,073.31 |
| May, 2027 | 26 | $702.85 | $397.98 | $259.17 | $1,360.00 | $230,675.33 |
| Jun, 2027 | 27 | $701.64 | $399.19 | $259.17 | $1,360.00 | $230,276.13 |
| Jul, 2027 | 28 | $700.42 | $400.41 | $259.17 | $1,360.00 | $229,875.73 |
| Aug, 2027 | 29 | $699.21 | $401.63 | $259.17 | $1,360.00 | $229,474.10 |
| Sep, 2027 | 30 | $697.98 | $402.85 | $259.17 | $1,360.00 | $229,071.25 |
| Oct, 2027 | 31 | $696.76 | $404.07 | $259.17 | $1,360.00 | $228,667.18 |
| Nov, 2027 | 32 | $695.53 | $405.30 | $259.17 | $1,360.00 | $228,261.88 |
| Dec, 2027 | 33 | $694.30 | $406.53 | $259.17 | $1,360.00 | $227,855.35 |
| Jan, 2028 | 34 | $693.06 | $407.77 | $259.17 | $1,360.00 | $227,447.58 |
| Feb, 2028 | 35 | $691.82 | $409.01 | $259.17 | $1,360.00 | $227,038.57 |
| Mar, 2028 | 36 | $690.58 | $410.26 | $259.17 | $1,360.00 | $226,628.31 |
| Apr, 2028 | 37 | $689.33 | $411.50 | $259.17 | $1,360.00 | $226,216.81 |
| May, 2028 | 38 | $688.08 | $412.75 | $259.17 | $1,360.00 | $225,804.05 |
| Jun, 2028 | 39 | $686.82 | $414.01 | $259.17 | $1,360.00 | $225,390.04 |
| Jul, 2028 | 40 | $685.56 | $415.27 | $259.17 | $1,360.00 | $224,974.77 |
| Aug, 2028 | 41 | $684.30 | $416.53 | $259.17 | $1,360.00 | $224,558.24 |
| Sep, 2028 | 42 | $683.03 | $417.80 | $259.17 | $1,360.00 | $224,140.44 |
| Oct, 2028 | 43 | $681.76 | $419.07 | $259.17 | $1,360.00 | $223,721.37 |
| Nov, 2028 | 44 | $680.49 | $420.34 | $259.17 | $1,360.00 | $223,301.03 |
| Dec, 2028 | 45 | $679.21 | $421.62 | $259.17 | $1,360.00 | $222,879.40 |
| Jan, 2029 | 46 | $677.92 | $422.91 | $259.17 | $1,360.00 | $222,456.50 |
| Feb, 2029 | 47 | $676.64 | $424.19 | $259.17 | $1,360.00 | $222,032.31 |
| Mar, 2029 | 48 | $675.35 | $425.48 | $259.17 | $1,360.00 | $221,606.82 |
| Apr, 2029 | 49 | $674.05 | $426.78 | $259.17 | $1,360.00 | $221,180.05 |
| May, 2029 | 50 | $672.76 | $428.07 | $259.17 | $1,360.00 | $220,751.97 |
| Jun, 2029 | 51 | $671.45 | $429.38 | $259.17 | $1,360.00 | $220,322.59 |
| Jul, 2029 | 52 | $670.15 | $430.68 | $259.17 | $1,360.00 | $219,891.91 |
| Aug, 2029 | 53 | $668.84 | $431.99 | $259.17 | $1,360.00 | $219,459.92 |
| Sep, 2029 | 54 | $667.52 | $433.31 | $259.17 | $1,360.00 | $219,026.61 |
| Oct, 2029 | 55 | $666.21 | $434.62 | $259.17 | $1,360.00 | $218,591.99 |
| Nov, 2029 | 56 | $664.88 | $435.95 | $259.17 | $1,360.00 | $218,156.04 |
| Dec, 2029 | 57 | $663.56 | $437.27 | $259.17 | $1,360.00 | $217,718.77 |
| Jan, 2030 | 58 | $662.23 | $438.60 | $259.17 | $1,360.00 | $217,280.17 |
| Feb, 2030 | 59 | $660.89 | $439.94 | $259.17 | $1,360.00 | $216,840.23 |
| Mar, 2030 | 60 | $659.56 | $441.27 | $259.17 | $1,360.00 | $216,398.95 |
| Apr, 2030 | 61 | $658.21 | $442.62 | $259.17 | $1,360.00 | $215,956.34 |
| May, 2030 | 62 | $656.87 | $443.96 | $259.17 | $1,360.00 | $215,512.37 |
| Jun, 2030 | 63 | $655.52 | $445.31 | $259.17 | $1,360.00 | $215,067.06 |
| Jul, 2030 | 64 | $654.16 | $446.67 | $259.17 | $1,360.00 | $214,620.39 |
| Aug, 2030 | 65 | $652.80 | $448.03 | $259.17 | $1,360.00 | $214,172.36 |
| Sep, 2030 | 66 | $651.44 | $449.39 | $259.17 | $1,360.00 | $213,722.97 |
| Oct, 2030 | 67 | $650.07 | $450.76 | $259.17 | $1,360.00 | $213,272.22 |
| Nov, 2030 | 68 | $648.70 | $452.13 | $259.17 | $1,360.00 | $212,820.09 |
| Dec, 2030 | 69 | $647.33 | $453.50 | $259.17 | $1,360.00 | $212,366.59 |
| Jan, 2031 | 70 | $645.95 | $454.88 | $259.17 | $1,360.00 | $211,911.70 |
| Feb, 2031 | 71 | $644.56 | $456.27 | $259.17 | $1,360.00 | $211,455.44 |
| Mar, 2031 | 72 | $643.18 | $457.65 | $259.17 | $1,360.00 | $210,997.78 |
| Apr, 2031 | 73 | $641.78 | $459.05 | $259.17 | $1,360.00 | $210,538.74 |
| May, 2031 | 74 | $640.39 | $460.44 | $259.17 | $1,360.00 | $210,078.30 |
| Jun, 2031 | 75 | $638.99 | $461.84 | $259.17 | $1,360.00 | $209,616.45 |
| Jul, 2031 | 76 | $637.58 | $463.25 | $259.17 | $1,360.00 | $209,153.21 |
| Aug, 2031 | 77 | $636.17 | $464.66 | $259.17 | $1,360.00 | $208,688.55 |
| Sep, 2031 | 78 | $634.76 | $466.07 | $259.17 | $1,360.00 | $208,222.48 |
| Oct, 2031 | 79 | $633.34 | $467.49 | $259.17 | $1,360.00 | $207,754.99 |
| Nov, 2031 | 80 | $631.92 | $468.91 | $259.17 | $1,360.00 | $207,286.08 |
| Dec, 2031 | 81 | $630.50 | $470.34 | $259.17 | $1,360.00 | $206,815.75 |
| Jan, 2032 | 82 | $629.06 | $471.77 | $259.17 | $1,360.00 | $206,343.98 |
| Feb, 2032 | 83 | $627.63 | $473.20 | $259.17 | $1,360.00 | $205,870.78 |
| Mar, 2032 | 84 | $626.19 | $474.64 | $259.17 | $1,360.00 | $205,396.14 |
| Apr, 2032 | 85 | $624.75 | $476.08 | $259.17 | $1,360.00 | $204,920.06 |
| May, 2032 | 86 | $623.30 | $477.53 | $259.17 | $1,360.00 | $204,442.52 |
| Jun, 2032 | 87 | $621.85 | $478.98 | $259.17 | $1,360.00 | $203,963.54 |
| Jul, 2032 | 88 | $620.39 | $480.44 | $259.17 | $1,360.00 | $203,483.10 |
| Aug, 2032 | 89 | $618.93 | $481.90 | $259.17 | $1,360.00 | $203,001.20 |
| Sep, 2032 | 90 | $617.46 | $483.37 | $259.17 | $1,360.00 | $202,517.83 |
| Oct, 2032 | 91 | $615.99 | $484.84 | $259.17 | $1,360.00 | $202,032.99 |
| Nov, 2032 | 92 | $614.52 | $486.31 | $259.17 | $1,360.00 | $201,546.67 |
| Dec, 2032 | 93 | $613.04 | $487.79 | $259.17 | $1,360.00 | $201,058.88 |
| Jan, 2033 | 94 | $611.55 | $489.28 | $259.17 | $1,360.00 | $200,569.60 |
| Feb, 2033 | 95 | $610.07 | $490.76 | $259.17 | $1,360.00 | $200,078.84 |
| Mar, 2033 | 96 | $608.57 | $492.26 | $259.17 | $1,360.00 | $199,586.58 |
| Apr, 2033 | 97 | $607.08 | $493.75 | $259.17 | $1,360.00 | $199,092.83 |
| May, 2033 | 98 | $605.57 | $495.26 | $259.17 | $1,360.00 | $198,597.57 |
| Jun, 2033 | 99 | $604.07 | $496.76 | $259.17 | $1,360.00 | $198,100.81 |
| Jul, 2033 | 100 | $602.56 | $498.27 | $259.17 | $1,360.00 | $197,602.53 |
| Aug, 2033 | 101 | $601.04 | $499.79 | $259.17 | $1,360.00 | $197,102.74 |
| Sep, 2033 | 102 | $599.52 | $501.31 | $259.17 | $1,360.00 | $196,601.43 |
| Oct, 2033 | 103 | $598.00 | $502.83 | $259.17 | $1,360.00 | $196,098.60 |
| Nov, 2033 | 104 | $596.47 | $504.36 | $259.17 | $1,360.00 | $195,594.24 |
| Dec, 2033 | 105 | $594.93 | $505.90 | $259.17 | $1,360.00 | $195,088.34 |
| Jan, 2034 | 106 | $593.39 | $507.44 | $259.17 | $1,360.00 | $194,580.90 |
| Feb, 2034 | 107 | $591.85 | $508.98 | $259.17 | $1,360.00 | $194,071.92 |
| Mar, 2034 | 108 | $590.30 | $510.53 | $259.17 | $1,360.00 | $193,561.39 |
| Apr, 2034 | 109 | $588.75 | $512.08 | $259.17 | $1,360.00 | $193,049.31 |
| May, 2034 | 110 | $587.19 | $513.64 | $259.17 | $1,360.00 | $192,535.67 |
| Jun, 2034 | 111 | $585.63 | $515.20 | $259.17 | $1,360.00 | $192,020.47 |
| Jul, 2034 | 112 | $584.06 | $516.77 | $259.17 | $1,360.00 | $191,503.70 |
| Aug, 2034 | 113 | $582.49 | $518.34 | $259.17 | $1,360.00 | $190,985.36 |
| Sep, 2034 | 114 | $580.91 | $519.92 | $259.17 | $1,360.00 | $190,465.44 |
| Oct, 2034 | 115 | $579.33 | $521.50 | $259.17 | $1,360.00 | $189,943.95 |
| Nov, 2034 | 116 | $577.75 | $523.08 | $259.17 | $1,360.00 | $189,420.86 |
| Dec, 2034 | 117 | $576.16 | $524.68 | $259.17 | $1,360.00 | $188,896.19 |
| Jan, 2035 | 118 | $574.56 | $526.27 | $259.17 | $1,360.00 | $188,369.91 |
| Feb, 2035 | 119 | $572.96 | $527.87 | $259.17 | $1,360.00 | $187,842.04 |
| Mar, 2035 | 120 | $571.35 | $529.48 | $259.17 | $1,360.00 | $187,312.56 |
| Apr, 2035 | 121 | $569.74 | $531.09 | $259.17 | $1,360.00 | $186,781.48 |
| May, 2035 | 122 | $568.13 | $532.70 | $259.17 | $1,360.00 | $186,248.77 |
| Jun, 2035 | 123 | $566.51 | $534.32 | $259.17 | $1,360.00 | $185,714.45 |
| Jul, 2035 | 124 | $564.88 | $535.95 | $259.17 | $1,360.00 | $185,178.50 |
| Aug, 2035 | 125 | $563.25 | $537.58 | $259.17 | $1,360.00 | $184,640.92 |
| Sep, 2035 | 126 | $561.62 | $539.21 | $259.17 | $1,360.00 | $184,101.70 |
| Oct, 2035 | 127 | $559.98 | $540.85 | $259.17 | $1,360.00 | $183,560.85 |
| Nov, 2035 | 128 | $558.33 | $542.50 | $259.17 | $1,360.00 | $183,018.35 |
| Dec, 2035 | 129 | $556.68 | $544.15 | $259.17 | $1,360.00 | $182,474.20 |
| Jan, 2036 | 130 | $555.03 | $545.80 | $259.17 | $1,360.00 | $181,928.40 |
| Feb, 2036 | 131 | $553.37 | $547.47 | $259.17 | $1,360.00 | $181,380.93 |
| Mar, 2036 | 132 | $551.70 | $549.13 | $259.17 | $1,360.00 | $180,831.80 |
| Apr, 2036 | 133 | $550.03 | $550.80 | $259.17 | $1,360.00 | $180,281.00 |
| May, 2036 | 134 | $548.35 | $552.48 | $259.17 | $1,360.00 | $179,728.52 |
| Jun, 2036 | 135 | $546.67 | $554.16 | $259.17 | $1,360.00 | $179,174.37 |
| Jul, 2036 | 136 | $544.99 | $555.84 | $259.17 | $1,360.00 | $178,618.53 |
| Aug, 2036 | 137 | $543.30 | $557.53 | $259.17 | $1,360.00 | $178,060.99 |
| Sep, 2036 | 138 | $541.60 | $559.23 | $259.17 | $1,360.00 | $177,501.76 |
| Oct, 2036 | 139 | $539.90 | $560.93 | $259.17 | $1,360.00 | $176,940.83 |
| Nov, 2036 | 140 | $538.20 | $562.64 | $259.17 | $1,360.00 | $176,378.20 |
| Dec, 2036 | 141 | $536.48 | $564.35 | $259.17 | $1,360.00 | $175,813.85 |
| Jan, 2037 | 142 | $534.77 | $566.06 | $259.17 | $1,360.00 | $175,247.79 |
| Feb, 2037 | 143 | $533.05 | $567.79 | $259.17 | $1,360.00 | $174,680.00 |
| Mar, 2037 | 144 | $531.32 | $569.51 | $259.17 | $1,360.00 | $174,110.49 |
| Apr, 2037 | 145 | $529.59 | $571.24 | $259.17 | $1,360.00 | $173,539.25 |
| May, 2037 | 146 | $527.85 | $572.98 | $259.17 | $1,360.00 | $172,966.26 |
| Jun, 2037 | 147 | $526.11 | $574.72 | $259.17 | $1,360.00 | $172,391.54 |
| Jul, 2037 | 148 | $524.36 | $576.47 | $259.17 | $1,360.00 | $171,815.07 |
| Aug, 2037 | 149 | $522.60 | $578.23 | $259.17 | $1,360.00 | $171,236.84 |
| Sep, 2037 | 150 | $520.85 | $579.99 | $259.17 | $1,360.00 | $170,656.85 |
| Oct, 2037 | 151 | $519.08 | $581.75 | $259.17 | $1,360.00 | $170,075.10 |
| Nov, 2037 | 152 | $517.31 | $583.52 | $259.17 | $1,360.00 | $169,491.59 |
| Dec, 2037 | 153 | $515.54 | $585.29 | $259.17 | $1,360.00 | $168,906.29 |
| Jan, 2038 | 154 | $513.76 | $587.07 | $259.17 | $1,360.00 | $168,319.22 |
| Feb, 2038 | 155 | $511.97 | $588.86 | $259.17 | $1,360.00 | $167,730.36 |
| Mar, 2038 | 156 | $510.18 | $590.65 | $259.17 | $1,360.00 | $167,139.71 |
| Apr, 2038 | 157 | $508.38 | $592.45 | $259.17 | $1,360.00 | $166,547.26 |
| May, 2038 | 158 | $506.58 | $594.25 | $259.17 | $1,360.00 | $165,953.01 |
| Jun, 2038 | 159 | $504.77 | $596.06 | $259.17 | $1,360.00 | $165,356.95 |
| Jul, 2038 | 160 | $502.96 | $597.87 | $259.17 | $1,360.00 | $164,759.08 |
| Aug, 2038 | 161 | $501.14 | $599.69 | $259.17 | $1,360.00 | $164,159.39 |
| Sep, 2038 | 162 | $499.32 | $601.51 | $259.17 | $1,360.00 | $163,557.88 |
| Oct, 2038 | 163 | $497.49 | $603.34 | $259.17 | $1,360.00 | $162,954.54 |
| Nov, 2038 | 164 | $495.65 | $605.18 | $259.17 | $1,360.00 | $162,349.36 |
| Dec, 2038 | 165 | $493.81 | $607.02 | $259.17 | $1,360.00 | $161,742.34 |
| Jan, 2039 | 166 | $491.97 | $608.86 | $259.17 | $1,360.00 | $161,133.48 |
| Feb, 2039 | 167 | $490.11 | $610.72 | $259.17 | $1,360.00 | $160,522.76 |
| Mar, 2039 | 168 | $488.26 | $612.57 | $259.17 | $1,360.00 | $159,910.19 |
| Apr, 2039 | 169 | $486.39 | $614.44 | $259.17 | $1,360.00 | $159,295.75 |
| May, 2039 | 170 | $484.52 | $616.31 | $259.17 | $1,360.00 | $158,679.45 |
| Jun, 2039 | 171 | $482.65 | $618.18 | $259.17 | $1,360.00 | $158,061.27 |
| Jul, 2039 | 172 | $480.77 | $620.06 | $259.17 | $1,360.00 | $157,441.21 |
| Aug, 2039 | 173 | $478.88 | $621.95 | $259.17 | $1,360.00 | $156,819.26 |
| Sep, 2039 | 174 | $476.99 | $623.84 | $259.17 | $1,360.00 | $156,195.42 |
| Oct, 2039 | 175 | $475.09 | $625.74 | $259.17 | $1,360.00 | $155,569.68 |
| Nov, 2039 | 176 | $473.19 | $627.64 | $259.17 | $1,360.00 | $154,942.04 |
| Dec, 2039 | 177 | $471.28 | $629.55 | $259.17 | $1,360.00 | $154,312.49 |
| Jan, 2040 | 178 | $469.37 | $631.46 | $259.17 | $1,360.00 | $153,681.03 |
| Feb, 2040 | 179 | $467.45 | $633.38 | $259.17 | $1,360.00 | $153,047.65 |
| Mar, 2040 | 180 | $465.52 | $635.31 | $259.17 | $1,360.00 | $152,412.34 |
| Apr, 2040 | 181 | $463.59 | $637.24 | $259.17 | $1,360.00 | $151,775.09 |
| May, 2040 | 182 | $461.65 | $639.18 | $259.17 | $1,360.00 | $151,135.91 |
| Jun, 2040 | 183 | $459.71 | $641.13 | $259.17 | $1,360.00 | $150,494.79 |
| Jul, 2040 | 184 | $457.75 | $643.08 | $259.17 | $1,360.00 | $149,851.71 |
| Aug, 2040 | 185 | $455.80 | $645.03 | $259.17 | $1,360.00 | $149,206.68 |
| Sep, 2040 | 186 | $453.84 | $646.99 | $259.17 | $1,360.00 | $148,559.69 |
| Oct, 2040 | 187 | $451.87 | $648.96 | $259.17 | $1,360.00 | $147,910.72 |
| Nov, 2040 | 188 | $449.90 | $650.94 | $259.17 | $1,360.00 | $147,259.79 |
| Dec, 2040 | 189 | $447.92 | $652.92 | $259.17 | $1,360.00 | $146,606.87 |
| Jan, 2041 | 190 | $445.93 | $654.90 | $259.17 | $1,360.00 | $145,951.97 |
| Feb, 2041 | 191 | $443.94 | $656.89 | $259.17 | $1,360.00 | $145,295.08 |
| Mar, 2041 | 192 | $441.94 | $658.89 | $259.17 | $1,360.00 | $144,636.19 |
| Apr, 2041 | 193 | $439.94 | $660.90 | $259.17 | $1,360.00 | $143,975.29 |
| May, 2041 | 194 | $437.92 | $662.91 | $259.17 | $1,360.00 | $143,312.38 |
| Jun, 2041 | 195 | $435.91 | $664.92 | $259.17 | $1,360.00 | $142,647.46 |
| Jul, 2041 | 196 | $433.89 | $666.94 | $259.17 | $1,360.00 | $141,980.52 |
| Aug, 2041 | 197 | $431.86 | $668.97 | $259.17 | $1,360.00 | $141,311.54 |
| Sep, 2041 | 198 | $429.82 | $671.01 | $259.17 | $1,360.00 | $140,640.54 |
| Oct, 2041 | 199 | $427.78 | $673.05 | $259.17 | $1,360.00 | $139,967.49 |
| Nov, 2041 | 200 | $425.73 | $675.10 | $259.17 | $1,360.00 | $139,292.39 |
| Dec, 2041 | 201 | $423.68 | $677.15 | $259.17 | $1,360.00 | $138,615.24 |
| Jan, 2042 | 202 | $421.62 | $679.21 | $259.17 | $1,360.00 | $137,936.03 |
| Feb, 2042 | 203 | $419.56 | $681.28 | $259.17 | $1,360.00 | $137,254.76 |
| Mar, 2042 | 204 | $417.48 | $683.35 | $259.17 | $1,360.00 | $136,571.41 |
| Apr, 2042 | 205 | $415.40 | $685.43 | $259.17 | $1,360.00 | $135,885.98 |
| May, 2042 | 206 | $413.32 | $687.51 | $259.17 | $1,360.00 | $135,198.47 |
| Jun, 2042 | 207 | $411.23 | $689.60 | $259.17 | $1,360.00 | $134,508.87 |
| Jul, 2042 | 208 | $409.13 | $691.70 | $259.17 | $1,360.00 | $133,817.17 |
| Aug, 2042 | 209 | $407.03 | $693.80 | $259.17 | $1,360.00 | $133,123.37 |
| Sep, 2042 | 210 | $404.92 | $695.91 | $259.17 | $1,360.00 | $132,427.45 |
| Oct, 2042 | 211 | $402.80 | $698.03 | $259.17 | $1,360.00 | $131,729.42 |
| Nov, 2042 | 212 | $400.68 | $700.15 | $259.17 | $1,360.00 | $131,029.27 |
| Dec, 2042 | 213 | $398.55 | $702.28 | $259.17 | $1,360.00 | $130,326.99 |
| Jan, 2043 | 214 | $396.41 | $704.42 | $259.17 | $1,360.00 | $129,622.57 |
| Feb, 2043 | 215 | $394.27 | $706.56 | $259.17 | $1,360.00 | $128,916.00 |
| Mar, 2043 | 216 | $392.12 | $708.71 | $259.17 | $1,360.00 | $128,207.29 |
| Apr, 2043 | 217 | $389.96 | $710.87 | $259.17 | $1,360.00 | $127,496.43 |
| May, 2043 | 218 | $387.80 | $713.03 | $259.17 | $1,360.00 | $126,783.40 |
| Jun, 2043 | 219 | $385.63 | $715.20 | $259.17 | $1,360.00 | $126,068.20 |
| Jul, 2043 | 220 | $383.46 | $717.37 | $259.17 | $1,360.00 | $125,350.83 |
| Aug, 2043 | 221 | $381.28 | $719.56 | $259.17 | $1,360.00 | $124,631.27 |
| Sep, 2043 | 222 | $379.09 | $721.74 | $259.17 | $1,360.00 | $123,909.53 |
| Oct, 2043 | 223 | $376.89 | $723.94 | $259.17 | $1,360.00 | $123,185.59 |
| Nov, 2043 | 224 | $374.69 | $726.14 | $259.17 | $1,360.00 | $122,459.45 |
| Dec, 2043 | 225 | $372.48 | $728.35 | $259.17 | $1,360.00 | $121,731.10 |
| Jan, 2044 | 226 | $370.27 | $730.57 | $259.17 | $1,360.00 | $121,000.53 |
| Feb, 2044 | 227 | $368.04 | $732.79 | $259.17 | $1,360.00 | $120,267.74 |
| Mar, 2044 | 228 | $365.81 | $735.02 | $259.17 | $1,360.00 | $119,532.73 |
| Apr, 2044 | 229 | $363.58 | $737.25 | $259.17 | $1,360.00 | $118,795.48 |
| May, 2044 | 230 | $361.34 | $739.49 | $259.17 | $1,360.00 | $118,055.98 |
| Jun, 2044 | 231 | $359.09 | $741.74 | $259.17 | $1,360.00 | $117,314.24 |
| Jul, 2044 | 232 | $356.83 | $744.00 | $259.17 | $1,360.00 | $116,570.24 |
| Aug, 2044 | 233 | $354.57 | $746.26 | $259.17 | $1,360.00 | $115,823.98 |
| Sep, 2044 | 234 | $352.30 | $748.53 | $259.17 | $1,360.00 | $115,075.44 |
| Oct, 2044 | 235 | $350.02 | $750.81 | $259.17 | $1,360.00 | $114,324.63 |
| Nov, 2044 | 236 | $347.74 | $753.09 | $259.17 | $1,360.00 | $113,571.54 |
| Dec, 2044 | 237 | $345.45 | $755.38 | $259.17 | $1,360.00 | $112,816.16 |
| Jan, 2045 | 238 | $343.15 | $757.68 | $259.17 | $1,360.00 | $112,058.47 |
| Feb, 2045 | 239 | $340.84 | $759.99 | $259.17 | $1,360.00 | $111,298.49 |
| Mar, 2045 | 240 | $338.53 | $762.30 | $259.17 | $1,360.00 | $110,536.19 |
| Apr, 2045 | 241 | $336.21 | $764.62 | $259.17 | $1,360.00 | $109,771.57 |
| May, 2045 | 242 | $333.89 | $766.94 | $259.17 | $1,360.00 | $109,004.63 |
| Jun, 2045 | 243 | $331.56 | $769.27 | $259.17 | $1,360.00 | $108,235.36 |
| Jul, 2045 | 244 | $329.22 | $771.61 | $259.17 | $1,360.00 | $107,463.74 |
| Aug, 2045 | 245 | $326.87 | $773.96 | $259.17 | $1,360.00 | $106,689.78 |
| Sep, 2045 | 246 | $324.51 | $776.32 | $259.17 | $1,360.00 | $105,913.46 |
| Oct, 2045 | 247 | $322.15 | $778.68 | $259.17 | $1,360.00 | $105,134.79 |
| Nov, 2045 | 248 | $319.78 | $781.05 | $259.17 | $1,360.00 | $104,353.74 |
| Dec, 2045 | 249 | $317.41 | $783.42 | $259.17 | $1,360.00 | $103,570.32 |
| Jan, 2046 | 250 | $315.03 | $785.80 | $259.17 | $1,360.00 | $102,784.52 |
| Feb, 2046 | 251 | $312.64 | $788.19 | $259.17 | $1,360.00 | $101,996.32 |
| Mar, 2046 | 252 | $310.24 | $790.59 | $259.17 | $1,360.00 | $101,205.73 |
| Apr, 2046 | 253 | $307.83 | $793.00 | $259.17 | $1,360.00 | $100,412.73 |
| May, 2046 | 254 | $305.42 | $795.41 | $259.17 | $1,360.00 | $99,617.32 |
| Jun, 2046 | 255 | $303.00 | $797.83 | $259.17 | $1,360.00 | $98,819.50 |
| Jul, 2046 | 256 | $300.58 | $800.25 | $259.17 | $1,360.00 | $98,019.24 |
| Aug, 2046 | 257 | $298.14 | $802.69 | $259.17 | $1,360.00 | $97,216.55 |
| Sep, 2046 | 258 | $295.70 | $805.13 | $259.17 | $1,360.00 | $96,411.42 |
| Oct, 2046 | 259 | $293.25 | $807.58 | $259.17 | $1,360.00 | $95,603.84 |
| Nov, 2046 | 260 | $290.80 | $810.04 | $259.17 | $1,360.00 | $94,793.81 |
| Dec, 2046 | 261 | $288.33 | $812.50 | $259.17 | $1,360.00 | $93,981.31 |
| Jan, 2047 | 262 | $285.86 | $814.97 | $259.17 | $1,360.00 | $93,166.34 |
| Feb, 2047 | 263 | $283.38 | $817.45 | $259.17 | $1,360.00 | $92,348.89 |
| Mar, 2047 | 264 | $280.89 | $819.94 | $259.17 | $1,360.00 | $91,528.95 |
| Apr, 2047 | 265 | $278.40 | $822.43 | $259.17 | $1,360.00 | $90,706.52 |
| May, 2047 | 266 | $275.90 | $824.93 | $259.17 | $1,360.00 | $89,881.59 |
| Jun, 2047 | 267 | $273.39 | $827.44 | $259.17 | $1,360.00 | $89,054.15 |
| Jul, 2047 | 268 | $270.87 | $829.96 | $259.17 | $1,360.00 | $88,224.19 |
| Aug, 2047 | 269 | $268.35 | $832.48 | $259.17 | $1,360.00 | $87,391.71 |
| Sep, 2047 | 270 | $265.82 | $835.01 | $259.17 | $1,360.00 | $86,556.69 |
| Oct, 2047 | 271 | $263.28 | $837.55 | $259.17 | $1,360.00 | $85,719.14 |
| Nov, 2047 | 272 | $260.73 | $840.10 | $259.17 | $1,360.00 | $84,879.04 |
| Dec, 2047 | 273 | $258.17 | $842.66 | $259.17 | $1,360.00 | $84,036.38 |
| Jan, 2048 | 274 | $255.61 | $845.22 | $259.17 | $1,360.00 | $83,191.16 |
| Feb, 2048 | 275 | $253.04 | $847.79 | $259.17 | $1,360.00 | $82,343.37 |
| Mar, 2048 | 276 | $250.46 | $850.37 | $259.17 | $1,360.00 | $81,493.00 |
| Apr, 2048 | 277 | $247.87 | $852.96 | $259.17 | $1,360.00 | $80,640.04 |
| May, 2048 | 278 | $245.28 | $855.55 | $259.17 | $1,360.00 | $79,784.49 |
| Jun, 2048 | 279 | $242.68 | $858.15 | $259.17 | $1,360.00 | $78,926.34 |
| Jul, 2048 | 280 | $240.07 | $860.76 | $259.17 | $1,360.00 | $78,065.58 |
| Aug, 2048 | 281 | $237.45 | $863.38 | $259.17 | $1,360.00 | $77,202.20 |
| Sep, 2048 | 282 | $234.82 | $866.01 | $259.17 | $1,360.00 | $76,336.19 |
| Oct, 2048 | 283 | $232.19 | $868.64 | $259.17 | $1,360.00 | $75,467.55 |
| Nov, 2048 | 284 | $229.55 | $871.28 | $259.17 | $1,360.00 | $74,596.26 |
| Dec, 2048 | 285 | $226.90 | $873.93 | $259.17 | $1,360.00 | $73,722.33 |
| Jan, 2049 | 286 | $224.24 | $876.59 | $259.17 | $1,360.00 | $72,845.74 |
| Feb, 2049 | 287 | $221.57 | $879.26 | $259.17 | $1,360.00 | $71,966.48 |
| Mar, 2049 | 288 | $218.90 | $881.93 | $259.17 | $1,360.00 | $71,084.55 |
| Apr, 2049 | 289 | $216.22 | $884.62 | $259.17 | $1,360.00 | $70,199.93 |
| May, 2049 | 290 | $213.52 | $887.31 | $259.17 | $1,360.00 | $69,312.63 |
| Jun, 2049 | 291 | $210.83 | $890.00 | $259.17 | $1,360.00 | $68,422.62 |
| Jul, 2049 | 292 | $208.12 | $892.71 | $259.17 | $1,360.00 | $67,529.91 |
| Aug, 2049 | 293 | $205.40 | $895.43 | $259.17 | $1,360.00 | $66,634.48 |
| Sep, 2049 | 294 | $202.68 | $898.15 | $259.17 | $1,360.00 | $65,736.33 |
| Oct, 2049 | 295 | $199.95 | $900.88 | $259.17 | $1,360.00 | $64,835.45 |
| Nov, 2049 | 296 | $197.21 | $903.62 | $259.17 | $1,360.00 | $63,931.83 |
| Dec, 2049 | 297 | $194.46 | $906.37 | $259.17 | $1,360.00 | $63,025.46 |
| Jan, 2050 | 298 | $191.70 | $909.13 | $259.17 | $1,360.00 | $62,116.33 |
| Feb, 2050 | 299 | $188.94 | $911.89 | $259.17 | $1,360.00 | $61,204.43 |
| Mar, 2050 | 300 | $186.16 | $914.67 | $259.17 | $1,360.00 | $60,289.77 |
| Apr, 2050 | 301 | $183.38 | $917.45 | $259.17 | $1,360.00 | $59,372.32 |
| May, 2050 | 302 | $180.59 | $920.24 | $259.17 | $1,360.00 | $58,452.08 |
| Jun, 2050 | 303 | $177.79 | $923.04 | $259.17 | $1,360.00 | $57,529.04 |
| Jul, 2050 | 304 | $174.98 | $925.85 | $259.17 | $1,360.00 | $56,603.19 |
| Aug, 2050 | 305 | $172.17 | $928.66 | $259.17 | $1,360.00 | $55,674.53 |
| Sep, 2050 | 306 | $169.34 | $931.49 | $259.17 | $1,360.00 | $54,743.04 |
| Oct, 2050 | 307 | $166.51 | $934.32 | $259.17 | $1,360.00 | $53,808.72 |
| Nov, 2050 | 308 | $163.67 | $937.16 | $259.17 | $1,360.00 | $52,871.56 |
| Dec, 2050 | 309 | $160.82 | $940.01 | $259.17 | $1,360.00 | $51,931.55 |
| Jan, 2051 | 310 | $157.96 | $942.87 | $259.17 | $1,360.00 | $50,988.67 |
| Feb, 2051 | 311 | $155.09 | $945.74 | $259.17 | $1,360.00 | $50,042.93 |
| Mar, 2051 | 312 | $152.21 | $948.62 | $259.17 | $1,360.00 | $49,094.32 |
| Apr, 2051 | 313 | $149.33 | $951.50 | $259.17 | $1,360.00 | $48,142.81 |
| May, 2051 | 314 | $146.43 | $954.40 | $259.17 | $1,360.00 | $47,188.42 |
| Jun, 2051 | 315 | $143.53 | $957.30 | $259.17 | $1,360.00 | $46,231.12 |
| Jul, 2051 | 316 | $140.62 | $960.21 | $259.17 | $1,360.00 | $45,270.91 |
| Aug, 2051 | 317 | $137.70 | $963.13 | $259.17 | $1,360.00 | $44,307.78 |
| Sep, 2051 | 318 | $134.77 | $966.06 | $259.17 | $1,360.00 | $43,341.72 |
| Oct, 2051 | 319 | $131.83 | $969.00 | $259.17 | $1,360.00 | $42,372.72 |
| Nov, 2051 | 320 | $128.88 | $971.95 | $259.17 | $1,360.00 | $41,400.77 |
| Dec, 2051 | 321 | $125.93 | $974.90 | $259.17 | $1,360.00 | $40,425.87 |
| Jan, 2052 | 322 | $122.96 | $977.87 | $259.17 | $1,360.00 | $39,448.00 |
| Feb, 2052 | 323 | $119.99 | $980.84 | $259.17 | $1,360.00 | $38,467.15 |
| Mar, 2052 | 324 | $117.00 | $983.83 | $259.17 | $1,360.00 | $37,483.33 |
| Apr, 2052 | 325 | $114.01 | $986.82 | $259.17 | $1,360.00 | $36,496.51 |
| May, 2052 | 326 | $111.01 | $989.82 | $259.17 | $1,360.00 | $35,506.69 |
| Jun, 2052 | 327 | $108.00 | $992.83 | $259.17 | $1,360.00 | $34,513.86 |
| Jul, 2052 | 328 | $104.98 | $995.85 | $259.17 | $1,360.00 | $33,518.01 |
| Aug, 2052 | 329 | $101.95 | $998.88 | $259.17 | $1,360.00 | $32,519.13 |
| Sep, 2052 | 330 | $98.91 | $1,001.92 | $259.17 | $1,360.00 | $31,517.21 |
| Oct, 2052 | 331 | $95.86 | $1,004.97 | $259.17 | $1,360.00 | $30,512.24 |
| Nov, 2052 | 332 | $92.81 | $1,008.02 | $259.17 | $1,360.00 | $29,504.22 |
| Dec, 2052 | 333 | $89.74 | $1,011.09 | $259.17 | $1,360.00 | $28,493.13 |
| Jan, 2053 | 334 | $86.67 | $1,014.16 | $259.17 | $1,360.00 | $27,478.97 |
| Feb, 2053 | 335 | $83.58 | $1,017.25 | $259.17 | $1,360.00 | $26,461.72 |
| Mar, 2053 | 336 | $80.49 | $1,020.34 | $259.17 | $1,360.00 | $25,441.37 |
| Apr, 2053 | 337 | $77.38 | $1,023.45 | $259.17 | $1,360.00 | $24,417.93 |
| May, 2053 | 338 | $74.27 | $1,026.56 | $259.17 | $1,360.00 | $23,391.37 |
| Jun, 2053 | 339 | $71.15 | $1,029.68 | $259.17 | $1,360.00 | $22,361.69 |
| Jul, 2053 | 340 | $68.02 | $1,032.81 | $259.17 | $1,360.00 | $21,328.87 |
| Aug, 2053 | 341 | $64.88 | $1,035.96 | $259.17 | $1,360.00 | $20,292.92 |
| Sep, 2053 | 342 | $61.72 | $1,039.11 | $259.17 | $1,360.00 | $19,253.81 |
| Oct, 2053 | 343 | $58.56 | $1,042.27 | $259.17 | $1,360.00 | $18,211.54 |
| Nov, 2053 | 344 | $55.39 | $1,045.44 | $259.17 | $1,360.00 | $17,166.11 |
| Dec, 2053 | 345 | $52.21 | $1,048.62 | $259.17 | $1,360.00 | $16,117.49 |
| Jan, 2054 | 346 | $49.02 | $1,051.81 | $259.17 | $1,360.00 | $15,065.68 |
| Feb, 2054 | 347 | $45.82 | $1,055.01 | $259.17 | $1,360.00 | $14,010.68 |
| Mar, 2054 | 348 | $42.62 | $1,058.21 | $259.17 | $1,360.00 | $12,952.46 |
| Apr, 2054 | 349 | $39.40 | $1,061.43 | $259.17 | $1,360.00 | $11,891.03 |
| May, 2054 | 350 | $36.17 | $1,064.66 | $259.17 | $1,360.00 | $10,826.37 |
| Jun, 2054 | 351 | $32.93 | $1,067.90 | $259.17 | $1,360.00 | $9,758.47 |
| Jul, 2054 | 352 | $29.68 | $1,071.15 | $259.17 | $1,360.00 | $8,687.32 |
| Aug, 2054 | 353 | $26.42 | $1,074.41 | $259.17 | $1,360.00 | $7,612.91 |
| Sep, 2054 | 354 | $23.16 | $1,077.67 | $259.17 | $1,360.00 | $6,535.24 |
| Oct, 2054 | 355 | $19.88 | $1,080.95 | $259.17 | $1,360.00 | $5,454.28 |
| Nov, 2054 | 356 | $16.59 | $1,084.24 | $259.17 | $1,360.00 | $4,370.04 |
| Dec, 2054 | 357 | $13.29 | $1,087.54 | $259.17 | $1,360.00 | $3,282.50 |
| Jan, 2055 | 358 | $9.98 | $1,090.85 | $259.17 | $1,360.00 | $2,191.66 |
| Feb, 2055 | 359 | $6.67 | $1,094.16 | $259.17 | $1,360.00 | $1,097.49 |
| Mar, 2055 | 360 | $3.34 | $1,097.49 | $259.17 | $1,360.00 | $0.00 |
Compare Monthly vs. Bi-weekly |
||||||
| Payment Frequency | Monthly | Bi-weekly | ||||
| Payments / Year | 12 | 26 | ||||
| Each Payment | $1,360.00 | $670.03 | ||||
| Total Extra Payments | $0.00 | $0.00 | ||||
| Total Interest | $155,659.05 | $132,600.34 | ||||
| Total Tax, Insurance & Fees | $93,300.00 | $80,979.62 | ||||
| Total Payment | $494,599.05 | $459,219.96 | Total Savings | $0 | $35,379.09 | |
| Payoff Date | Mar, 2055 | Apr, 2051 | ||||
What is a VA Loan?
A VA Loan is a mortgage loan backed by the U.S. Department of Veterans Affairs (VA) to help military service members, veterans, and eligible surviving spouses secure homeownership. VA loans offer many benefits that traditional mortgages don't, such as no down payment, no private mortgage insurance (PMI), and lower interest rates.
How to use the VA loan calculator?
The VA loan calculator has built in functions for all variables that a VA loan require such as the following.
- Home Value - The price of the property that you want to buy.
- Down Payment - The down payment that you want to make, $0 is the default value.
- Base Mortgage Amount - The mortgage amount is the home value less the down payment.
- Loan Terms - VA loans usually come with 15-year or 30-year fixed-rate terms.
- Interest Rate - VA loans have competitve interest rate compared to traditional mortgages.
- VA Funding Fee - The VA funding fee is a one-time charge that helps fund the VA Loan program.
- Final Mortgage Amount - The final mortgage amount is the amount that included the VA funding fee.
- Property Taxes - The property tax of the home, express as a dollar amount or a percentage of the home price.
- Home Insurance - The homeowner's insurance that you need to pay annually to protect your home from disasters.
- HOA Fees - Homeowners association fees or dues, are payments made by residents in HOA communities.
- Payment Frequency - You can choose to make monthly or biweekly payments.
- First Payment Date - The first payment of your mortgage, it can be a date from the past or in the future.
- Amortization Schedule - You can view the amortization schedule by monthly or annually.
- Extra Payments - If you want to pay off your VA loan faster, you have the option to make extra payments to reduce your loan balance.
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