VA Mortgage Calculator
La guía detallada está disponible temporalmente en inglés.
How the VA funding fee works
Instead of monthly mortgage insurance, VA loans charge a one-time funding fee — 2.15% of the loan for a first use with no down payment in this calculator, 3.3% after a prior use, and nothing for borrowers exempted by a qualifying service-connected disability. Most buyers finance the fee, so it raises the loan balance and the payment slightly rather than requiring cash at closing.
Preguntas frecuentes
Do VA loans require a down payment?
Usually not — eligible borrowers can finance 100% of the purchase price. A down payment shrinks the funding fee percentage and the payment, so it can still be worth considering.
Is the VA funding fee refundable?
Borrowers later awarded service-connected disability compensation can apply for a refund of the fee. The VA home loan benefit itself can also be reused after a prior loan is paid off or assumed and the entitlement is restored.