Mortgage tools

Every VA calculator in one place

Built on published VA formulas and 2026 loan limits — not generic mortgage math. Change any input and the numbers update instantly.

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Down with full entitlement

None

VA-set minimum score

No limit

With full entitlement

See how much you qualify for

No-obligation VA pre-qualification review.

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We arrange residential mortgage loans in Florida and Colorado only.

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I agree. By checking this box and submitting this form, I provide my express written consent to receive calls and messages from or on behalf of Simply Approved Mortgages LLC (NMLS #2620881) at the telephone number(s) and email address(es) I provide, including for marketing and telemarketing purposes. Communications may be made using live agents, an automatic telephone dialing system or other automated technology, prerecorded or artificial voice messages, AI-generated or AI-assisted voice technology, SMS/MMS text messages, and email, even if my telephone number is listed on a state or federal Do Not Call registry. I also agree to receive the Simply Approved VA newsletter by email, including VA program updates, funding-fee and entitlement changes, and homebuying guidance for veterans. I confirm that I am the subscriber or customary user of the telephone number(s) provided and am authorized to provide this consent. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from newsletter emails at any time. My consent to receive automated, prerecorded, artificial-voice, AI-generated, or marketing communications is not a condition of purchasing any property, good, or service, applying for a mortgage, or receiving mortgage services or information from Simply Approved Mortgages LLC. I may revoke my consent at any time. All loans are subject to applicable lender underwriting, eligibility requirements, and approval.

Simply Approved Mortgages LLC | NMLS #2620881 — a licensed mortgage broker, not a direct lender. Submitting this form is an inquiry only; it is not an application, quote, pre-approval, approval or commitment to lend. All loans are subject to lender underwriting and approval. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs. Equal Housing Opportunity. See our Privacy Notice.

Quick answer

Which VA calculator should you use?

Use the VA payment calculator for a full PITI estimate with no mortgage insurance, the affordability calculator to work from your income and residual income, the funding fee calculator to price the one-time fee, and the refinance break-even tool to test whether an IRRRL pays for itself.

Payment calculator excludes monthly mortgage insurance — VA never charges it
Affordability calculator reflects VA's residual income approach, not just a DTI ratio
Funding fee calculator shows the one-time cost by down payment, use, and exemption status
Break-even tool compares IRRRL costs against monthly savings and the 36-month recoupment rule
County lookup shows conforming limits, relevant only if your entitlement is reduced

What this means for your mortgage

Start with affordability to set your budget, then use the payment and funding fee tools to pressure-test a specific house.

Reviewed by the licensed mortgage team at Simply Approved Mortgages · Last verified August 31, 2026 against the VA Lenders Handbook (M26-7)

Start with affordability

Calculators & comparison tools

Each tool shows its assumptions so you can check the math yourself.

VA Payment Calculator

Full PITI with the financed VA funding fee, taxes, insurance and HOA.

VA Funding Fee Calculator

The one-time VA funding fee by down payment and use (first vs. subsequent), plus exemptions, per VA.gov's funding fee tables.

VA Entitlement Calculator

Remaining and partial entitlement, your $0-down ceiling, and the down payment needed above it.

County Loan Limit Lookup

2026 FHFA conforming limits by county — the figure that caps a reduced-entitlement loan.

COE Eligibility Wizard

Answer a few service questions to see which Certificate of Eligibility path and documents apply.

Affordability & DTI Calculator

How much home you can buy using VA's 41% DTI benchmark and residual income guidelines.

Refinance Break-Even Calculator

Monthly savings, break-even month and lifetime interest for a rate-and-term refinance.

Closing Cost Estimator

Line-by-line estimate of lender, third-party, prepaid and escrow costs on a VA loan.

VA vs Conventional Comparison

Side-by-side rules plus a live monthly-payment comparison, including the VA funding fee vs PMI.

Credit Score by Loan Program

Minimum FICO scores for VA, USDA, conventional and jumbo — and what they mean.

Ready to see what you qualify for?

Start a VA pre-qualification with a licensed loan originator. Licensed in Colorado and Florida.

Pre-qualify online Call 877-813-7219

Ask SAM anything about VA mortgage calculators and tools

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 VA mortgage calculators and tools, 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.

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