VA Loan Rate Estimator
A VA loan needs no down payment and carries no monthly mortgage insurance. See roughly what your rate and payment would look like.
Answer the questions and your estimated rate, payment and loan amount appear here.
How this works
The VA does not lend money — it guarantees part of a loan made by an ordinary lender, which is why no down payment and no PMI are possible. Your rate still comes from the lender and still depends on credit, loan size and the day you lock.
Most borrowers pay a one-off funding fee, which can be financed into the loan. Veterans receiving compensation for a service-connected disability are generally exempt — worth checking before you accept a quote that includes it.
Questions
- Can I use my VA loan more than once?
- Yes. Entitlement can be restored when a previous VA loan is paid off, and in some cases you can hold two at once with partial entitlement.
- Is the funding fee always charged?
- No. If you receive compensation for a service-connected disability you are usually exempt. Surviving spouses receiving DIC are generally exempt too.
- Does Veterans Alliance sell my details to lenders?
- No. This tool takes no lead and pays no referral fee. If you want help, we route you to an accredited representative at no cost.
Estimates only. Final decisions on benefits, claims and eligibility are made through official VA channels — see VA.gov. Looking for state and local benefits? Check your state.