VA loan calculator

كيفية استخدام VA loan calculator

ما الذي يحسبه ومتى تستخدمه

Estimate the monthly payment on a US VA home loan مقابل eligible veterans وservice members وsome surviving spouses, including the VA funding fee.

طريقة الاستخدام خطوة بخطوة

1. Enter the السعر وdown payment (0% هو allowed).
2. Choose whether this هو your first VA loan, you have used one before أو you are exempt.
3. Enter the المعدل والمدة, الضريبة وinsurance.
4. Read the payment وthe funding fee.

معنى كل مُدخل

• Down payment – The funding fee falls بسعر 5% و10% down.
• VA loan use – The fee هو higher مقابل repeat use. Disabled veterans وsome others are exempt.

كيف تقرأ النتائج

• الدفعة الشهرية – أصل المبلغ وinterest وproperty الضريبة والرئيسية insurance.
• Funding fee – One-off fee as a نسبة مئوية من من the loan, normally added إلى it.

الصيغة

Funding fee = القاعدة loan × fee المعدل. Loan = القاعدة loan + fee. Payment = Loan × r ÷ (1 − (1 + r)^−n). Fee rates: first use 2.15% (under 5% down) و1.5% (5–9.99%) و1.25% (10% أو more); repeat use 3.3% under 5% down.

مثال محلول

A 350,000 purchase with no down payment at 6.25% مقابل 30 years. First use هو 2.15% وso the fee هو 7,525, the loan هو 357,525 وprincipal وinterest هو 2,201.34. With tax وinsurance the payment هو about 2,624.26.

الافتراضات والحدود

• Fee rates follow the VA purchase table effective من 7 April 2023 وmay التغير.
• There هو لا شهريًا mortgage insurance on a VA loan.
• Eligibility وentitlement are decided by the VA.

أخطاء شائعة

• Forgetting the funding fee when comparing with conventional loans.
• Assuming the fee must be مدفوعة في cash. It علبة be financed.

الأسئلة الشائعة

أدوات ذات صلة