1. Total Loan Amount
Enter the home price, down payment, and funding fee.
Most California VA buyers can qualify for zero down payment.
2. Monthly Mortgage Payment
This va loan calculator mortgage tool estimates:
- Principal
- Interest
- VA funding fee
- Optional taxes & insurance
You get a clear monthly estimate based on California home values.
3. Funding Fee Estimate
Typical VA funding fee ranges:
- First-time use: 1.25% – 1.50%
- Next use: 1.40% – 1.75%
- Disabled veterans: 0%
The calculator can automatically include the fee in your loan amount.
4. Closing Cost Estimate
You can select a version with fees included using the va loan calculator with closing costs.
Closing costs in California usually range 2% – 3% of the loan amount.
5. Affordability Estimate
Based on income and debts, the calculator helps you see what price range fits your budget.
6. Payment for Different Rates
You can compare today’s California VA mortgage rates to see how much each option changes your payment.

Example 1: Standard Home Purchase

Example 2: High-Cost Area (Los Angeles / Bay Area)

Example 3: Affordable Area (Fresno / Inland Empire)

Home prices in California are higher than most states. A calculator helps you plan your payment before you start looking for homes. You can check how interest rates, funding fees, and closing costs impact your final payment.
This tool also lets you compare your VA loan results to a normal conventional mortgage. Most buyers see lower payments because VA loans do not require mortgage insurance.

- Home price
- Interest rate
- Loan term (15 or 30 years)
- Down payment (usually 0%)
- Funding fee
- Closing costs
- Property taxes
- Home insurance
The more details you enter, the closer your estimate becomes.