A full VA PITI calculator with no monthly mortgage insurance — the one-time funding fee is financed into the loan and amortized right along with it. Edit any field — totals update live.
No-obligation VA pre-qualification review.
A VA payment has three core parts: principal and interest, property taxes, and homeowner's insurance — there is no monthly mortgage insurance to add. If you finance the one-time funding fee (as most veterans do), it's added to the loan amount before principal and interest is calculated.
Because there's no monthly mortgage insurance, a VA payment is typically below an equivalent FHA or conventional payment for the same loan amount.
Reviewed by the licensed mortgage team at Simply Approved Mortgages · Last verified August 31, 2026 against the VA Lenders Handbook (M26-7)
Check what I can affordEnter your scenario to see live wholesale VA pricing available to Simply Approved Mortgages for Florida and Colorado primary residences. Every figure shown comes from our pricing provider for the scenario you enter — nothing is estimated.
Pricing shown is based on the scenario entered and wholesale pricing available at the time of the search. It is not a rate lock, loan approval, commitment to lend, or guarantee of terms. Rates and pricing change frequently and expire. Your actual rate, APR, payment, and costs depend on a complete application, verified credit and income, property and appraisal review, and lender underwriting approval. Binding figures appear on your Loan Estimate.
Simply Approved Mortgages LLC is not affiliated with, acting on behalf of, or endorsed by the U.S. Department of Veterans Affairs (VA) or any other government agency.
Simply Approved Mortgages LLC | NMLS #2620881 is a mortgage broker and is not a direct lender. Equal Housing Opportunity.
SAM is the Simply Approved Mortgages AI assistant, grounded in the VA Lenders Handbook M26-7, 38 CFR Part 36 and the county loan-limit file behind this page. It answers general VA questions. A licensed mortgage loan originator reviews every scenario before any terms are confirmed.
Hi — I'm SAM with Simply Approved Mortgages. Ask a question about this VA payment calculator, or pick one of the popular questions beside this box.
AI assistant — general VA loan education only, not financial, legal or tax advice, not a loan approval, pre-approval or commitment to lend. Simply Approved Mortgages LLC (NMLS #2620881) is an independent mortgage broker and is not the VA, HUD or any government agency, and is not endorsed by them. All loans are subject to lender underwriting, appraisal and final approval. Equal Housing Opportunity.
Estimates only. Actual rate, taxes and insurance vary by location, credit and lender. VA loans carry no monthly mortgage insurance at any LTV — the funding fee shown here is a one-time charge financed into the loan.
Estimates only. Nothing here is an application, pre-qualification, pre-approval, rate quote, rate lock or commitment to lend. You can keep using this tool without giving us anything.
Monthly principal and interest use the standard amortization formula on the base loan amount plus the financed one-time VA funding fee. No monthly mortgage insurance is added at any step. Property tax, homeowners insurance and any HOA entry are added on top.
Data year 2026. Program figures last checked against their source on 2026-01-01. Sources: VA Funding Fee, VA Loan Limits. Results are estimates for planning only — not a quote, rate lock, approval, or commitment to lend. Your binding numbers appear on the Loan Estimate and Closing Disclosure.
Start a VA pre-qualification with a licensed loan originator. Licensed in Colorado and Florida.
Hand-picked pages that answer the questions most people have after reading this one.
Related VA topics for this page — tap any question to jump straight to the answer.
The VA funding fee schedule sets the one-time cost that replaces mortgage insurance on every VA loan. Here's the current chart, who's exempt, and how it's financed.
A VA loan can finance up to a 4-unit property with $0 down, as long as you live in one unit. Rent from the other units can even help you qualify.
Veterans receiving VA disability compensation pay $0 funding fee — often the single biggest savings in the entire loan. Here's how the exemption is proven and refunded.
