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VA Mortgage Calculator

How Much Can I Afford?

Use the following calculator to help you determine an affordable monthly payment so that you know what you can afford before you make an offer on the home you want to purchase.

Desired Mortgage

Term & Rate

VA Disabled? (10% or more)

Used a VA loan before?

Property Taxes

Non-Mortgage Debt

The sum of the monthly mortgage, interest, tax and insurance payments must be equal or less than 41% of your gross (pre-taxes) monthly salary.

DISCLAIMER: The figures above are based upon VA's debt-to-income ratio which is a ratio of total monthly debt payments (housing expense, installment debts, and so on) to gross monthly income. The VA has determined the acceptable ratio to be 41% and it is used as a guide. In circumstances where the ratio exceeds 41%, the VA automatic underwriter can consider the ratio in conjunction with all other credit factors. Calculations by this tool are believed to be accurate, yet are not guaranteed. Further review is necessary to obtain an exact qualification.

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