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VA & Conventional Mortgage Calculator

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Loan Type

Home Price

Down Payment (%)

Interest Rate %

Term (years)

Property Tax Rate %

Insurance / mo

HOA / AOAO / mo

Other Monthly Costs

VA Options

Have you used your VA loan benefit before?

Exempt from the VA funding fee?

Exempt if you receive VA disability compensation for a service-connected disability, are a surviving spouse receiving DIC, or are an active-duty Purple Heart recipient.

VA Funding Fee

Military income & existing debts

Pay gradeYears of service

Dependents?

Spouse estimated yearly income (optional)

Gross income before taxes. Leave at 0 if not applicable.Existing monthly household debt payments

Both borrowers' debts. Exclude this mortgage.

Honolulu BAH (2026)$3,663

All Oahu installations use BAH area HI408. Latest imported chart, not independently verified. Confirm with your LES; override for personal rate protection.

Monthly COLA (Oahu, automatic)$635

Include COLA in budget?

Automatic from the official Oahu COLA index (120, effective July 16, 2025) with your grade, service years and dependent status, computed from DTMO's published annual compensation and spendable income tables. The with-dependents estimate assumes one command-sponsored dependent; enter your LES amount for your exact figure. COLA is not a fixed amount and can change every pay period, and your lender must confirm whether it qualifies. Official DoD COLA lookup. Compare with COLA excluded before committing to a fixed payment.

Include BAS?

Basic pay (2026): $4,110 / month. DFAS pay table, effective January 1, 2026. BAS: $477 / month; confirm eligibility and meal deductions. No tax-free gross-up.

Income and debts are included in your scenario link. Share only with people you want to see these numbers.

Estimated Monthly Payment

$6,506

Principal & Interest: $6,054
Property Taxes: $277
Insurance: $175
HOA / AOAO: $0.00
Other Costs: $0.00

Home Price: $950,000
Down Payment: $0.00 (0%)
VA Funding Fee: $20,425 (2.15%)
Loan Amount (incl. fee): $970,425

Military basic pay: $4,110
BAH: $3,663
BAS: $477
COLA included: $635
Spouse monthly income: $0.00
Combined monthly income: $8,885
Housing budget at 50% DTI: $4,442
Added budget from spouse: $0.00
Budget minus this payment: -$2,064

50% of gross income minus existing debts. Income does not change the selected home's payment. Not lender approval; both incomes, credit, VA residual income and loan rules require verification.

Estimate only. Actual payment depends on credit, lender, final VA funding fee determination, and county assessments. Funding fee rates shown are for purchase loans.

How this works

Monthly principal and interest use standard amortization over the selected term. Property tax is estimated from price and the annual tax rate. VA purchase funding fees depend on down payment, prior use and exemption, and can be financed or paid upfront.

Frequently asked questions

What is included in the monthly payment?

Principal and interest, estimated property tax, insurance, HOA or AOAO, other monthly costs and conventional PMI when entered.

Can I finance the VA funding fee?

Yes. Choose Financed Into Loan to include it in the loan amount. Paid Upfront keeps it separate and shows the fee as cash due at closing.

Who may be exempt from the VA funding fee?

Some borrowers receiving VA disability compensation, qualifying surviving spouses receiving DIC and active-duty Purple Heart recipients may be exempt. Confirm your determination with the VA and lender.

Is the Honolulu property tax estimate exact?

No. The rate is an editable estimate applied to the price. County assessments, property classification and exemptions can change your actual bill.

Do these results qualify me for a loan?

No. These are educational estimates, not a loan offer or approval. Your lender reviews credit, income, debt, eligibility and the property.