VA Home Loan Tools

Military families and veterans can use these home buying tools to assist in purchasing or refinancing a home. Find a VA loan calculator, check eligibility, see if you qualify for $0 down or confirm affordability to help you with your next home. VA home loans help military families and veterans build, buy, improve, or refinance a home.

What makes a VA home loan the best mortgage deal available anywhere? The VA guaranty. The U.S. Department of Veteran Affairs offers a VA guaranty, which protects lenders and gives good reason to offer veterans favorable terms on a home loan.

Home Buying Tools

VA Home Loan Calculator Tool

How to Use The VA Loan Calculator

Use this VA mortgage calculator to get an monthly payment estimate.  This calculator makes assumptions about current closing costs, lender’s fees and other costs to get to an estimate. Calculate your monthly VA loan payment with taxes and insurance whether you’re buying or refinancing.

VA Loan Affordability Calculator

Estimate loan pre-approval amount based on income and expenses. The calculator provides customized information based on the information you provide to estimate your loan pre-approval amount based on your income and expenses .

$0 Down Eligibility

See if you’re eligible for $0 down.

VA Loan Eligibility

Check eligibility for both VA home loans and VA refinancing. To be eligible for a VA loan, you or your spouse must meet the basic service requirements set by the Department of Veterans Affairs (VA), have a valid Certificate of Eligibility (COE) and satisfy the lender’s credit and income requirements.

• • VA Purchase Loans
    • Jumbo Loans
    • Renovation & Rehab Loans
    • Joint Loans
    • Traditional fixed payment
    • Farm Loans
    • Graduated Payment Mortgage (GPM)
    • Hybrid Loan
    • Hybrid Adjustable Rate Mortgage (HARM)
    • Traditional Adjustable Rate Mortgage (ARM)
    • Automatic Loans
    • Lender Appraisal Processing Program (LAPP) Loans
    • Loans to veterans receiving nonservice-connected VA pension income
    • New Construction Loans
    • 0% Down Payment Loans
    • Land Loan
  • VA Cash Out Re-Finance
  • VA Interest Rate Reduction Refinance loan (IRRRL) aka Streamline Refinance
  • VA Native American Direct Loan (NADL)
  • Specially Adapted Housing grant program (SAH)
  • Special Home Adaptation (SHA)
  • Temporary Residence Adaptation Grant (TRA)
  • Home Improvements and Structural Alterations (HISA)
  • Energy Efficient Mortgage
  • Energy Efficient Improvements

VA Qualifying Income

• Full-Time Salary Income
• Part-Time Salary Income
• Bonus or Overtime Income
• Seasonal Employment
• Income from a divorce (such as alimony or child support)
• Income from commissions
• Income from Active Duty/National Guard/Reserve Service
• Income from rental properties (restrictions apply)
• Automobile allowances (restrictions apply)

Veterans United Home Loans is a VA approved lender. Not affiliated with the Dept. of Veterans Affairs or any government agency. NMLS ID #1907 ( www.nmlsconsumeraccess.org ) | VeteransUnited.com | 1-800-884-5560 | 1400 Veterans United Drive, Columbia, MO 65203
Equal Opportunity Lender. Not available in New York. Licensing Information.