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VA Loan Affordability Calculator

The VA loan calculator below provides estimated monthly mortgage payments with a VA loan.

Estimate how much home you can afford

Enter your annual income before taxes. Self employed? Average the last 2 years.

If applicable, enter your monthly basic allowance for housing (BAH). 2024 BAH Calculator

Enter the monthly total you pay for debts like car payments, credit card minimums or student loans. This does not include current rent or mortgage payments.

See if you are eligible for a $0 down VA loan ›

Example rate, yours may differ.

Get Your Exact Rate ›


Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Your Loan Officer can help you determine property tax rates in your area.

Annual homeowners insurance is typically 0.35% of the home's value but can vary based on insurer.

Legal Disclaimer

The information provided by the CrossCountry Mortgage calculator is for illustrative purposes only and its accuracy is not guaranteed. The values and figures presented are hypothetical and may not reflect your individual circumstances. It is essential to consult a financial professional before relying on the results derived from this tool.

This calculator is not capable of pre-qualifying you for any mortgage or loan program. Qualification for mortgages or loans requires additional details, such as your credit scores and existing debts, which this calculator does not collect. Information such as interest rates and pricing are subject to change at any time without notice. All data provided, including interest rates, taxes, insurance, and monthly mortgage payments, are only estimates and should be utilized for comparison purposes only. CrossCountry Mortgage does not guarantee the accuracy of any information obtained through this calculator.

×
A home price up to
would be affordable with this budget.

DTI (Debt to Income ratio) is the ratio of your major monthly debt payments to your gross monthly income. With VA loans, a DTI ratio greater than 44 percent can require closer scrutiny. Veterans should find a balance that works for them and their goals.

Monthly Budget Breakdown:

  • Monthly Income $0
  • Mortgage Payment $0
  • Debt Payments $0
  • Remainder $0

This is your remaining gross monthly income after making your major monthly debt payments, including the new mortgage. For the purposes of savings and additional expenses, remember this is a pre-tax figure that doesn’t reflect your monthly net income.

VA Mortgage Payment Calculator

Calculate a monthly payment that is right for you

VA Affordability Calculator

Find out how much you can comfortably afford

VA Funding Fee Calculator

Figure out how much your funding fee is

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For help, questions or to see what you qualify for, give us a call!

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CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loan in Texas. NMLS License #3029 | MB.803095 | NMLS Consumer Access | CFPB

Shirley Mueller

Sr. VP of Veteran Lending Specializing in Texas Vet & VA Loans NMLS ID: 336103

6601 Vaught Ranch Rd, Suite 101 I, Austin, TX 78730

888-788-4977

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**The advertised rates and points listed are subject to change at any time without prior notice and may not be available to all borrowers. These rates are predicated on specific assumptions and lending scenarios. The actual rate available to you can vary depending on your personal details, such as your credit score, the amount of the loan, your down payment, and our internal lending criteria. The rates provided are for a fixed rate mortgage, but they will differ depending on the loan term and property location. Additional rates, points, and loan terms might be available. Approval of all loans is contingent on credit and property evaluations. Property insurance is mandatory, and flood insurance might also be necessary.

Interest rates for the Texas Vet program are set weekly by the Texas Veterans Land Board and are subject to change based on when you lock your interest rate. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. Click HERE for an example.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact  CrossCountry Mortgage  for current rates and for more information.

Copyright ©2024 Shirley Mueller Team Crosscountry Mortgage.