Mortgage · Free calculator

VA Loan Affordability Calculator

Estimate the price a VA-eligible buyer can support with no down payment and the residual-income discipline that comes with it.

Short answer

VA Loan Affordability Calculator

$322,118Affordable price

Lenders usually cap total debt near 36% of gross income. That leaves $1,983 a month, which borrows about $322,118 — $322,118 with your $0 down.

How it's calculated: $1,983 a month at 6.3% over 30 years Adjust the inputs below to recalculate for your own numbers.

Country context

Tailor estimates to 🇺🇸 United States

All math runs in USD. We overlay United States-specific tax and cost assumptions + show local-currency equivalents at an approximate FX rate.

Transfer tax / stamp duty

1.00%

One-time on purchase

Annual property tax

1.10%

of assessed value

Rental income tax

22.0%

indicative effective

Typical mortgage rate

7.00%

Gross yield: 5–9%

🇺🇸 United States note: Property tax varies massively by state (0.3% Hawaii → 2.2% NJ). 1031 exchange can defer capital gains on investment property. Tax rates are national midpoints — they vary by region, residency, and property type. FX shown at an approximate USD reference rate (updated periodically). This is an educational tool, not legal, tax, or investment advice.

New here? Watch it work in 2 seconds — then tweak it for you.

Gross annual income$85,000

Existing monthly debt payments$500

Car loans, student loans, credit card minimums and child support

Down payment / cash available$0.00

Interest rate6.25%

Loan term (years)30

Try it like this

Tap a scenario to load realistic numbers, then tweak the sliders.

Related calculators

FHA Loan Affordability Calculator Self-Employed Mortgage Affordability Calculator All calculators

Formula used

Affordability formula

VA eligibility removes the deposit barrier entirely, which shifts the binding constraint back onto income and monthly debt. The calculator applies this formula to your own numbers so the answer reflects your situation rather than a generic example.

Max payment = min(36% × monthly income − debts, 28% × monthly income); Loan = payment × [(1 − (1 + i)^−n) ÷ i]; Price = loan + down payment

Model

Debt-to-income affordability model

Planning benchmark

VA loans require no down payment and no monthly mortgage insurance

Updated

2026

Use this elsewhere

Embed or cite it

Backlink-friendly embed

Embed this calculator

Free to embed on any site. Inputs preserved, link back to RevenueLab. Each format trades polish for SEO juice.

Theme

<script async src="https://www.revenuelab.fyi/embed.js"
  data-calculator="va-loan-affordability-calculator"
  data-title="VA Loan Affordability Calculator"
  data-query="annualIncome=85000&monthlyDebt=500&downPayment=0&interestRate=6.25&termYears=30"></script>

Recommended — auto-resizes to fit, no scrollbars, and drops a crawlable link in your page.

Cite this calculator

Writing about this topic? Grab a citation — every link helps keep these tools free.

APA

RevenueLab. (2026). VA Loan Affordability Calculator. Retrieved from https://www.revenuelab.fyi/va-loan-affordability-calculator

HTML

<p>Source: <a href="https://www.revenuelab.fyi/va-loan-affordability-calculator" target="_blank" rel="noopener">VA Loan Affordability Calculator — RevenueLab</a> (2026).</p>

Markdown

Source: [VA Loan Affordability Calculator — RevenueLab](https://www.revenuelab.fyi/va-loan-affordability-calculator) (2026).

Why the va loan affordability calculator matters

VA eligibility removes the deposit barrier entirely, which shifts the binding constraint back onto income and monthly debt. This page turns that decision into a handful of inputs you can defend in a budget review: volume, unit cost, rate of adoption, and time. The output is a planning baseline, not a promise — it tells you whether the idea deserves a vendor quote, a pilot, or a pass.

• Biggest swing factor: monthly debt against income, since there is no deposit cushion
• Second-order factor: the interest rate on the loan
• Often ignored: the loan term you choose

What actually changes the answer

monthly debt against income, since there is no deposit cushion moves this number first, then the interest rate on the loan. Run a conservative case and an upside case before you commit. If the maths only works in the upside case, treat it as a time-boxed test with a kill date rather than a line in next year's plan.

What to do with the result

Ask your lender to run the VA residual income test alongside this. That check, not the ratio, is what usually decides.

Related guides

Long-form playbooks on the same topic, written by the RevenueLab editorial team.

Guide · 11 min read

Reverse Mortgage Guide 2026: How HECM Actually Works (PLF, MIP, and the 4 Right Use Cases)

What a HUD HECM really is, how the Principal Limit Factor is set, the four payout options, and the four scenarios where a reverse mortgage genuinely beats every alternative.

Read the guide

Guide · 10 min read

Personal Loan Guide 2026: Real Rate Bands by Credit Tier, the Origination Trick, and When Consolidation Pays

2026 personal loan APR bands by credit tier, the origination-fee math the ads hide, and the alternatives (balance transfer, HELOC, hardship plan) that often beat a personal loan.

Read the guide

FAQ

What does the va loan affordability calculator work out?

It applies Max payment = min(36% × monthly income − debts, 28% × monthly income); Loan = payment × [(1 − (1 + i)^−n) ÷ i]; Price = loan + down payment to the values you enter for gross annual income, existing monthly debt payments, down payment / cash available, interest rate, loan term (years). VA eligibility removes the deposit barrier entirely, which shifts the binding constraint back onto income and monthly debt.

How accurate is this va loan affordability calculator?

Does not model the VA funding fee or residual income requirements. Confirm both with a VA-approved lender. Replace the defaults with your own invoice, usage export, payroll data, statement, or vendor quote before making a commitment — the maths is exact, so the answer is only as good as the inputs you feed it.

Which input should I stress-test first?

monthly debt against income, since there is no deposit cushion. Re-run with a pessimistic value for it; if the decision flips, that assumption is the thing you need real data on before signing anything. After that, check the interest rate on the loan and the loan term you choose.

Which scenario should I start from?

Start with the preset closest to your situation — cautious budget, today's numbers, stronger position — then edit the sliders. Presets are realistic starting points, not benchmarks to match, and every change updates the result instantly.

What should I do after running the numbers?

Ask your lender to run the VA residual income test alongside this. That check, not the ratio, is what usually decides. A useful planning benchmark to compare against: VA loans require no down payment and no monthly mortgage insurance.

Can I share or save this calculation?

Yes. Your inputs are written into the page URL, so copying the link shares the exact scenario you are looking at — the person who opens it sees the same numbers. You can also export the inputs and results to CSV or PDF from the result card and keep it with the rest of your workings.

How this calculator is built

Independently maintained

Written by Sam Doshi and the RevenueLab editorial team. We don't sell the data feeds this tool is built on.

Sourced from primary data

Benchmarks come from public AdSense / Stripe / IRS disclosures and reader-submitted data — never third-party "$X per view" claims. Full methodology.

Last editorial review

Reviewed on a rolling quarterly cycle. Dated reviews are published on the methodology record for each calculator.

Editorial standards

See our editorial policy and disclaimer. Results are estimates, not advice.

Helpful?