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Mortgage Research Center, LLC Not affiliated with or endorsed by the Dept. of Veterans Affairs or any govt. agency. NMLS #1907. Not available in NV or NY. Legal

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.

Compare Top VA Purchase Lenders

Take the guesswork out of finding a VA Loan provider. Veterans United Home Loans created this site to educate and empower military homebuyers. Regardless of what lender you pick, it's always a good idea to compare and know your options.

  • NMLS #1907
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    • Veterans United ranks No. 1 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2020, Veterans United closed 60,462 VA Purchase Loans, which was 9% of all VA Purchase Loans closed nationwide last year.
  • NMLS #401058
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    • USAA ranks No. 5 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2020, USAA closed 21,878 VA Purchase Loans, which was 8% of all VA Purchase Loans closed nationwide last year.
  • NMLS #399807
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    • Navy Federal ranks No. 3 in Customer Ratings for VA purchase lenders, according to ratings and reviews collected by TrustPilot.
    • In 2020, Navy Federal closed 19,586 VA Purchase Loans, which was 6% of all VA Purchase Loans closed nationwide last year.
  • Customer Ratings: Customer Ratings based on ratings and reviews provided by TrustPilot. VALoans.com is not affiliated with TrustPilot and has no control or influence on how users rate each lender.
  • 2020 VA Loans: Total VA loan volume for fiscal year 2020 as reported by the Department of Veterans Affairs (FY 2020 Lender Loan Volume).

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