VA loan calculator

Cara menggunakan VA loan calculator

Apa yang dihitung dan kapan digunakan

Estimate the monthly payment on a US VA home loan seharga eligible veterans, service members, dan some surviving spouses, including the VA funding fee.

Cara menggunakan, langkah demi langkah

1. Enter the Harga dan down payment (0% adalah allowed).
2. Choose whether this adalah your first VA loan, you have used one before atau you are exempt.
3. Enter the Suku bunga, Jangka waktu, Pajak, dan insurance.
4. Read the payment dan the funding fee.

Arti setiap input

• Down payment – The funding fee falls Pada 5% dan 10% down.
• VA loan use – The fee adalah higher seharga repeat use. Disabled veterans dan some others are exempt.

Cara membaca hasil

• Pembayaran bulanan – Pokok dan interest, property Pajak, dan Beranda insurance.
• Funding fee – One-off fee as a Persentase the loan, normally added sampai it.

Rumus

Funding fee = Alas loan × fee Suku bunga. Loan = Alas loan + fee. Payment = Loan × r ÷ (1 − (1 + r)^−n). Fee rates: first use 2.15% (under 5% down), 1.5% (5–9.99%), dan 1.25% (10% atau more); repeat use 3.3% under 5% down.

Contoh perhitungan

A 350,000 purchase with no down payment at 6.25% seharga 30 years. First use adalah 2.15%, so the fee adalah 7,525, the loan adalah 357,525, dan principal dan interest adalah 2,201.34. With tax dan insurance the payment adalah about 2,624.26.

Asumsi dan batasan

• Fee rates follow the VA purchase table effective Dari 7 April 2023 dan may Perubahan.
• There adalah Tidak Bulanan mortgage insurance on a VA loan.
• Eligibility dan entitlement are decided by the VA.

Kesalahan umum

• Forgetting the funding fee when comparing with conventional loans.
• Assuming the fee must be Dibayar di cash. It kaleng be financed.

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