See how much you save vs a conventional mortgage — zero down, no PMI
The VA home loan is the single most powerful mortgage product in the United States — zero down payment, no PMI, competitive rates, and no prepayment penalty. On a $350,000 home, the typical veteran saves $40,000-$60,000 over 30 years compared to a conventional loan. Enter your home price below to see your exact savings.
Your Estimated VA Loan Savings Over 30 Years
On a $350,000 home, the typical VA loan saves $30,000-$80,000+ over 30 years. The savings come from zero down payment (keeping $12,250-$70,000 in your pocket), no PMI ($150-$300/month saved), and lower interest rates. Even after the funding fee, the VA loan is almost always cheaper.
A one-time fee of 2.15% (first use, zero down) charged at closing. It can be rolled into the loan balance. Veterans with 10%+ VA disability rating are completely exempt. With 5% down, the fee drops to 1.5%. With 10% down, it drops to 1.25%.
Yes. After paying off a VA loan, your entitlement is restored. The funding fee increases to 3.3% for subsequent use with zero down. You can also have multiple VA loans simultaneously if you have remaining entitlement.
For veterans with full entitlement, there is no loan limit — you can borrow any amount a lender will approve with zero down. Veterans with reduced entitlement (existing VA loan) may have limits based on county conforming loan limits.
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