Estimate VA no-down-payment loan payments and funding-fee options in California.
VA loans let eligible veterans finance up to the full home price (after the funding fee) with no down payment. The funding fee depends on service type, down payment and whether it is a first use — this tool uses your entered fee.
Payment
Payment = P × r(1+r)^n / ((1+r)^n − 1), P includes financed funding fee
Estimate — funding fees change yearly; confirm with the VA.
The VA sets it as a percentage of the loan to fund the program; it can be paid upfront or financed.
Rates are approximate reference values. Local rates, exemptions and rules can differ, so treat the output as a planning figure only.