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VA Mortgage Calculator

How Much Can I Borrow?

Use the following calculator to determine the maximum monthly payment (P+I) and the maximum loan amount for which you may qualify. Enter all income and expenses as MONTHLY figures, not annual.

Salary & Wages

Other Income

Property Taxes

Hazard Insurance

Auto Payment

Credit Card / Other Bills

Term & Rate

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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