How seller credits and VHAP benefits affect cash to close
Separate your down payment, closing costs, deposits and eligible credits before comparing purchase plans.
Explore the decision guide →Home / VA payment calculator
VA payment calculatorWhat could your
VA mortgage payment be?
Adjust the assumptions to see a complete monthly estimate. The next step is a conversation whenever you’re ready.
See how principal, interest, and balance change over time
Annual totals for the loan’s principal and interest only. Taxes, insurance, and HOA are excluded.
| Year | Principal paid | Interest paid | Balance |
|---|
Zero down does not mean zero closing costs. The VA funding fee may be financed, but other purchase expenses require a separate review. This tool does not estimate complete cash to close or establish loan eligibility.
Funding-fee source: VA funding fee and closing costs ↗ · Table reviewed October 18, 2026.
Clear answers. A confident next step.
A few questions, answered.
What does the payment calculator include?
The purchase tool estimates principal and interest, property taxes, homeowners insurance, HOA dues, and a funding fee when applicable. Your actual payment and closing costs depend on the property and loan terms. It is not a quote or approval.
What is the VA funding fee?
It is a one-time fee that may apply to VA-backed loans. The amount depends on the loan type, prior use, and, for purchases, the down payment. Certain borrowers are exempt. Use the calculator assumptions as a starting point and confirm your status with a loan officer.
Can I finance all of my purchase closing costs?
For a VA purchase loan, the VA funding fee can generally be financed. Other closing costs are not simply added to the VA purchase loan in the same way. Seller credits or other permitted arrangements may help; your loan officer can review the specific transaction.
Are calculator interest rates current offers?
No. Rates entered in these tools are editable illustrations, not current Coastline offers, APRs, rate locks, or credit decisions. Request a personalized review for your situation.
Beyond the basics
Turn an estimate into a useful comparison.
Calculator results depend on your inputs. They do not establish qualification, a rate lock, exact closing costs or a property’s tax bill.
- Use the same rate and loan term when comparing property costs.
- Get separate insurance and association figures for each home.
- Check whether a funding fee is financed and whether an exemption applies.
- Budget utilities, repairs and transportation outside the mortgage calculation.
- Review upfront costs separately before relying on an estimated payment.
5 costs to compare when buying near Fort Meade
Compare homes across Anne Arundel, Howard and nearby communities using a complete ownership budget.
Explore the decision guide →Sources checked November 2, 2026. VA funding fee and closing costs ↗ · CFPB: compare Loan Estimates ↗. Educational information; VA requirements, lender standards and transaction details require separate review.
A clear plan starts with a conversationLet’s put your
Let’s put your
estimate in context.
Tell a Coastline Mortgage VA loan expert what you want to understand. You can explore a payment, plan ahead, or simply ask a question.
- No obligation to apply
- No credit check from this inquiry
- Representatives available 24/7
Questions about your VA loan options? Our representatives are available day or night. Serving Maryland, Virginia, D.C., Pennsylvania, Delaware, Florida, and Colorado.