VA IRRRL refinance calculator

VA Loan Calculator 2026 | Estimate Payments - CalQora Use CalQora free VA loan calculator to estimate monthly payments, funding fee, taxes & insurance for USA veterans buying a home in 2026. Try it now. VA Loan Calculator: Estimate Your Monthly Payment Instantly A VA loan calculator estimates your monthly mortgage payment—principal, interest, property taxes, homeowners insurance, and the VA funding fee—for a loan backed by the U.S. Department of Veterans Affairs. On CalQora's VA loan calculator, eligible veterans, active-duty service members, and surviving spouses can enter home price, down payment, and rate to get an instant, accurate payment estimate with no PMI. How VA Loan Payments Are Calculated VA loans allow $0 down for eligible borrowers with full entitlement and charge no monthly mortgage insurance, unlike FHA loans. Instead, most borrowers pay a one-time VA funding fee. For 2026, the funding fee runs from 1.25% to 3.3% on purchase loans depending on down payment and prior VA loan use, while an IRRRL streamline refinance carries a flat 0.5% fee. Veterans receiving VA disability compensation are exempt from the fee entirely. Because VA loans have no set loan limit for borrowers with full entitlement, your calculator estimate should factor in your county's conforming loan limit if you're financing above that threshold without a down payment. What CalQora's Calculator Includes * Principal and interest based on current VA rates * VA funding fee (first-use, subsequent-use, or exempt) * Property tax and homeowners insurance estimates * HOA dues (if applicable) * Total estimated monthly payment (PITI + funding fee impact) Try the full breakdown on the CalQora VA Loan Calculator or compare options in our mortgage calculator suite, including FHA and conventional loans. Quick Answer (FAQ) Do VA loans require a down payment? No. Eligible veterans with full entitlement can finance 100% of the home price with $0 down, though a down payment can lower the funding fee. How much is the VA funding fee in 2026? It ranges from 1.25% to 3.3% of the loan amount for purchases, and a flat 0.5% for IRRRL refinances. Disabled veterans are typically exempt. Is a VA loan calculator accurate? It provides a close estimate, but your lender's rate, entitlement status, and local taxes affect the final numbers. Confirm details with a VA-approved lender before making an offer. Why Use CalQora CalQora builds free, precise financial calculators for U.S. homebuyers—no sign-up required. Start with the VA loan calculator today to plan your homebuying budget with confidence. Sources: U.S. Department of Veterans Affairs (VA.gov), Federal Housing Finance Agency (FHFA.gov).