VA loan calculator

如何使用VA loan calculator

它计算什么，何时使用

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

使用步骤

1. Enter the 价格 和 down payment (0% 是 allowed).
2. Choose whether this 是 your first VA loan, you have used one before 或 you are exempt.
3. Enter the 利率、期限, 税款、insurance.
4. Read the payment 和 the funding fee.

各输入项的含义

• Down payment – The funding fee falls 以 5% 和 10% down.
• VA loan use – The fee 是 higher件repeat use. Disabled veterans 和 some others are exempt.

如何阅读结果

• 月供 – 本金 和 interest、property 税款、首页 insurance.
• Funding fee – One-off fee as a 百分比 the loan, normally added 至 it.

公式

Funding fee = 底 loan × fee 利率. Loan = 底 loan + fee. Payment = Loan × r ÷ (1 − (1 + r)^−n). Fee rates: first use 2.15% (under 5% down)、1.5% (5–9.99%)、1.25% (10% 或 more); repeat use 3.3% under 5% down.

计算示例

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

假设与局限

• Fee rates follow the VA purchase table effective 从 7 April 2023 和 may 变化.
• There 是 否 每月 mortgage insurance on a VA loan.
• Eligibility 和 entitlement are decided by the VA.

常见错误

• Forgetting the funding fee when comparing with conventional loans.
• cash. It 罐 be financed. 的 Assuming the fee must be 有薪

常见问题

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