VA Mortgage Cost Calculator
Full PITI breakdown and month-by-month amortization — see exactly where every dollar goes.
Loan Details
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Taxes & Insurance
Monthly Cost Breakdown
Principal & InterestProperty TaxInsurance
Amortization Schedule
| Mo. | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $369.38 | $2,213.25 | $408,231 |
| 2 | $371.38 | $2,211.25 | $407,859 |
| 3 | $373.39 | $2,209.24 | $407,486 |
| 4 | $375.41 | $2,207.22 | $407,110 |
| 5 | $377.45 | $2,205.18 | $406,733 |
| 6 | $379.49 | $2,203.14 | $406,353 |
| 7 | $381.55 | $2,201.08 | $405,972 |
| 8 | $383.62 | $2,199.01 | $405,588 |
| 9 | $385.69 | $2,196.94 | $405,203 |
| 10 | $387.78 | $2,194.85 | $404,815 |
| 11 | $389.88 | $2,192.75 | $404,425 |
| 12 | $391.99 | $2,190.64 | $404,033 |
| 13 | $394.12 | $2,188.51 | $403,639 |
| 14 | $396.25 | $2,186.38 | $403,243 |
| 15 | $398.40 | $2,184.23 | $402,844 |
| 16 | $400.56 | $2,182.07 | $402,444 |
| 17 | $402.73 | $2,179.90 | $402,041 |
| 18 | $404.91 | $2,177.72 | $401,636 |
| 19 | $407.10 | $2,175.53 | $401,229 |
| 20 | $409.31 | $2,173.32 | $400,820 |
| 21 | $411.52 | $2,171.11 | $400,408 |
| 22 | $413.75 | $2,168.88 | $399,994 |
| 23 | $415.99 | $2,166.64 | $399,578 |
| 24 | $418.25 | $2,164.38 | $399,160 |
| 25 | $420.51 | $2,162.12 | $398,740 |
| 26 | $422.79 | $2,159.84 | $398,317 |
| 27 | $425.08 | $2,157.55 | $397,892 |
| 28 | $427.38 | $2,155.25 | $397,464 |
| 29 | $429.70 | $2,152.93 | $397,035 |
| 30 | $432.03 | $2,150.60 | $396,603 |
| 31 | $434.37 | $2,148.26 | $396,168 |
| 32 | $436.72 | $2,145.91 | $395,732 |
| 33 | $439.08 | $2,143.55 | $395,292 |
| 34 | $441.46 | $2,141.17 | $394,851 |
| 35 | $443.85 | $2,138.78 | $394,407 |
| 36 | $446.26 | $2,136.37 | $393,961 |
| 37 | $448.68 | $2,133.95 | $393,512 |
| 38 | $451.11 | $2,131.52 | $393,061 |
| 39 | $453.55 | $2,129.08 | $392,608 |
| 40 | $456.01 | $2,126.62 | $392,152 |
| 41 | $458.48 | $2,124.15 | $391,693 |
| 42 | $460.96 | $2,121.67 | $391,232 |
| 43 | $463.46 | $2,119.17 | $390,769 |
| 44 | $465.97 | $2,116.66 | $390,303 |
| 45 | $468.49 | $2,114.14 | $389,834 |
| 46 | $471.03 | $2,111.60 | $389,363 |
| 47 | $473.58 | $2,109.05 | $388,890 |
| 48 | $476.14 | $2,106.49 | $388,413 |
| 49 | $478.72 | $2,103.91 | $387,935 |
| 50 | $481.32 | $2,101.31 | $387,453 |
| 51 | $483.92 | $2,098.71 | $386,969 |
| 52 | $486.55 | $2,096.08 | $386,483 |
| 53 | $489.18 | $2,093.45 | $385,994 |
| 54 | $491.83 | $2,090.80 | $385,502 |
| 55 | $494.49 | $2,088.14 | $385,007 |
| 56 | $497.17 | $2,085.46 | $384,510 |
| 57 | $499.87 | $2,082.76 | $384,010 |
| 58 | $502.57 | $2,080.06 | $383,508 |
| 59 | $505.30 | $2,077.33 | $383,002 |
| 60 | $508.03 | $2,074.60 | $382,494 |
| 61 | $510.78 | $2,071.84 | $381,984 |
| 62 | $513.55 | $2,069.08 | $381,470 |
| 63 | $516.33 | $2,066.30 | $380,954 |
| 64 | $519.13 | $2,063.50 | $380,435 |
| 65 | $521.94 | $2,060.69 | $379,913 |
| 66 | $524.77 | $2,057.86 | $379,388 |
| 67 | $527.61 | $2,055.02 | $378,860 |
| 68 | $530.47 | $2,052.16 | $378,330 |
| 69 | $533.34 | $2,049.29 | $377,797 |
| 70 | $536.23 | $2,046.40 | $377,260 |
| 71 | $539.14 | $2,043.49 | $376,721 |
| 72 | $542.06 | $2,040.57 | $376,179 |
| 73 | $544.99 | $2,037.64 | $375,634 |
| 74 | $547.95 | $2,034.68 | $375,086 |
| 75 | $550.91 | $2,031.72 | $374,535 |
| 76 | $553.90 | $2,028.73 | $373,981 |
| 77 | $556.90 | $2,025.73 | $373,424 |
| 78 | $559.91 | $2,022.72 | $372,865 |
| 79 | $562.95 | $2,019.68 | $372,302 |
| 80 | $566.00 | $2,016.63 | $371,736 |
| 81 | $569.06 | $2,013.57 | $371,167 |
| 82 | $572.14 | $2,010.49 | $370,594 |
| 83 | $575.24 | $2,007.39 | $370,019 |
| 84 | $578.36 | $2,004.27 | $369,441 |
| 85 | $581.49 | $2,001.14 | $368,859 |
| 86 | $584.64 | $1,997.99 | $368,275 |
| 87 | $587.81 | $1,994.82 | $367,687 |
| 88 | $590.99 | $1,991.64 | $367,096 |
| 89 | $594.19 | $1,988.44 | $366,502 |
| 90 | $597.41 | $1,985.22 | $365,904 |
| 91 | $600.65 | $1,981.98 | $365,304 |
| 92 | $603.90 | $1,978.73 | $364,700 |
| 93 | $607.17 | $1,975.46 | $364,093 |
| 94 | $610.46 | $1,972.17 | $363,482 |
| 95 | $613.77 | $1,968.86 | $362,868 |
| 96 | $617.09 | $1,965.54 | $362,251 |
| 97 | $620.44 | $1,962.19 | $361,631 |
| 98 | $623.80 | $1,958.83 | $361,007 |
| 99 | $627.18 | $1,955.45 | $360,380 |
| 100 | $630.57 | $1,952.06 | $359,749 |
| 101 | $633.99 | $1,948.64 | $359,115 |
| 102 | $637.42 | $1,945.21 | $358,478 |
| 103 | $640.88 | $1,941.75 | $357,837 |
| 104 | $644.35 | $1,938.28 | $357,193 |
| 105 | $647.84 | $1,934.79 | $356,545 |
| 106 | $651.35 | $1,931.28 | $355,893 |
| 107 | $654.87 | $1,927.76 | $355,239 |
| 108 | $658.42 | $1,924.21 | $354,580 |
| 109 | $661.99 | $1,920.64 | $353,918 |
| 110 | $665.57 | $1,917.06 | $353,253 |
| 111 | $669.18 | $1,913.45 | $352,583 |
| 112 | $672.80 | $1,909.83 | $351,911 |
| 113 | $676.45 | $1,906.18 | $351,234 |
| 114 | $680.11 | $1,902.52 | $350,554 |
| 115 | $683.80 | $1,898.83 | $349,870 |
| 116 | $687.50 | $1,895.13 | $349,183 |
| 117 | $691.22 | $1,891.41 | $348,491 |
| 118 | $694.97 | $1,887.66 | $347,797 |
| 119 | $698.73 | $1,883.90 | $347,098 |
| 120 | $702.52 | $1,880.11 | $346,395 |
| 121 | $706.32 | $1,876.31 | $345,689 |
| 122 | $710.15 | $1,872.48 | $344,979 |
| 123 | $713.99 | $1,868.64 | $344,265 |
| 124 | $717.86 | $1,864.77 | $343,547 |
| 125 | $721.75 | $1,860.88 | $342,825 |
| 126 | $725.66 | $1,856.97 | $342,100 |
| 127 | $729.59 | $1,853.04 | $341,370 |
| 128 | $733.54 | $1,849.09 | $340,636 |
| 129 | $737.52 | $1,845.11 | $339,899 |
| 130 | $741.51 | $1,841.12 | $339,157 |
| 131 | $745.53 | $1,837.10 | $338,412 |
| 132 | $749.57 | $1,833.06 | $337,662 |
| 133 | $753.63 | $1,829.00 | $336,909 |
| 134 | $757.71 | $1,824.92 | $336,151 |
| 135 | $761.81 | $1,820.82 | $335,389 |
| 136 | $765.94 | $1,816.69 | $334,623 |
| 137 | $770.09 | $1,812.54 | $333,853 |
| 138 | $774.26 | $1,808.37 | $333,079 |
| 139 | $778.45 | $1,804.18 | $332,300 |
| 140 | $782.67 | $1,799.96 | $331,518 |
| 141 | $786.91 | $1,795.72 | $330,731 |
| 142 | $791.17 | $1,791.46 | $329,940 |
| 143 | $795.46 | $1,787.17 | $329,144 |
| 144 | $799.77 | $1,782.86 | $328,344 |
| 145 | $804.10 | $1,778.53 | $327,540 |
| 146 | $808.45 | $1,774.18 | $326,732 |
| 147 | $812.83 | $1,769.80 | $325,919 |
| 148 | $817.24 | $1,765.39 | $325,102 |
| 149 | $821.66 | $1,760.97 | $324,280 |
| 150 | $826.11 | $1,756.52 | $323,454 |
| 151 | $830.59 | $1,752.04 | $322,623 |
| 152 | $835.09 | $1,747.54 | $321,788 |
| 153 | $839.61 | $1,743.02 | $320,949 |
| 154 | $844.16 | $1,738.47 | $320,105 |
| 155 | $848.73 | $1,733.90 | $319,256 |
| 156 | $853.33 | $1,729.30 | $318,403 |
| 157 | $857.95 | $1,724.68 | $317,545 |
| 158 | $862.60 | $1,720.03 | $316,682 |
| 159 | $867.27 | $1,715.36 | $315,815 |
| 160 | $871.97 | $1,710.66 | $314,943 |
| 161 | $876.69 | $1,705.94 | $314,066 |
| 162 | $881.44 | $1,701.19 | $313,185 |
| 163 | $886.21 | $1,696.42 | $312,298 |
| 164 | $891.01 | $1,691.62 | $311,407 |
| 165 | $895.84 | $1,686.79 | $310,512 |
| 166 | $900.69 | $1,681.94 | $309,611 |
| 167 | $905.57 | $1,677.06 | $308,705 |
| 168 | $910.48 | $1,672.15 | $307,795 |
| 169 | $915.41 | $1,667.22 | $306,879 |
| 170 | $920.37 | $1,662.26 | $305,959 |
| 171 | $925.35 | $1,657.28 | $305,034 |
| 172 | $930.36 | $1,652.27 | $304,103 |
| 173 | $935.40 | $1,647.23 | $303,168 |
| 174 | $940.47 | $1,642.16 | $302,227 |
| 175 | $945.56 | $1,637.07 | $301,282 |
| 176 | $950.69 | $1,631.94 | $300,331 |
| 177 | $955.84 | $1,626.79 | $299,375 |
| 178 | $961.01 | $1,621.62 | $298,414 |
| 179 | $966.22 | $1,616.41 | $297,448 |
| 180 | $971.45 | $1,611.18 | $296,477 |
| 181 | $976.71 | $1,605.92 | $295,500 |
| 182 | $982.01 | $1,600.62 | $294,518 |
| 183 | $987.32 | $1,595.31 | $293,531 |
| 184 | $992.67 | $1,589.96 | $292,538 |
| 185 | $998.05 | $1,584.58 | $291,540 |
| 186 | $1,003.46 | $1,579.17 | $290,536 |
| 187 | $1,008.89 | $1,573.74 | $289,528 |
| 188 | $1,014.36 | $1,568.27 | $288,513 |
| 189 | $1,019.85 | $1,562.78 | $287,493 |
| 190 | $1,025.37 | $1,557.26 | $286,468 |
| 191 | $1,030.93 | $1,551.70 | $285,437 |
| 192 | $1,036.51 | $1,546.12 | $284,401 |
| 193 | $1,042.13 | $1,540.50 | $283,358 |
| 194 | $1,047.77 | $1,534.86 | $282,311 |
| 195 | $1,053.45 | $1,529.18 | $281,257 |
| 196 | $1,059.15 | $1,523.48 | $280,198 |
| 197 | $1,064.89 | $1,517.74 | $279,133 |
| 198 | $1,070.66 | $1,511.97 | $278,062 |
| 199 | $1,076.46 | $1,506.17 | $276,986 |
| 200 | $1,082.29 | $1,500.34 | $275,904 |
| 201 | $1,088.15 | $1,494.48 | $274,816 |
| 202 | $1,094.05 | $1,488.58 | $273,722 |
| 203 | $1,099.97 | $1,482.66 | $272,622 |
| 204 | $1,105.93 | $1,476.70 | $271,516 |
| 205 | $1,111.92 | $1,470.71 | $270,404 |
| 206 | $1,117.94 | $1,464.69 | $269,286 |
| 207 | $1,124.00 | $1,458.63 | $268,162 |
| 208 | $1,130.09 | $1,452.54 | $267,032 |
| 209 | $1,136.21 | $1,446.42 | $265,895 |
| 210 | $1,142.36 | $1,440.27 | $264,753 |
| 211 | $1,148.55 | $1,434.08 | $263,605 |
| 212 | $1,154.77 | $1,427.86 | $262,450 |
| 213 | $1,161.03 | $1,421.60 | $261,289 |
| 214 | $1,167.32 | $1,415.31 | $260,121 |
| 215 | $1,173.64 | $1,408.99 | $258,948 |
| 216 | $1,180.00 | $1,402.63 | $257,768 |
| 217 | $1,186.39 | $1,396.24 | $256,581 |
| 218 | $1,192.81 | $1,389.82 | $255,389 |
| 219 | $1,199.28 | $1,383.35 | $254,189 |
| 220 | $1,205.77 | $1,376.86 | $252,984 |
| 221 | $1,212.30 | $1,370.33 | $251,771 |
| 222 | $1,218.87 | $1,363.76 | $250,552 |
| 223 | $1,225.47 | $1,357.16 | $249,327 |
| 224 | $1,232.11 | $1,350.52 | $248,095 |
| 225 | $1,238.78 | $1,343.85 | $246,856 |
| 226 | $1,245.49 | $1,337.14 | $245,611 |
| 227 | $1,252.24 | $1,330.39 | $244,358 |
| 228 | $1,259.02 | $1,323.61 | $243,099 |
| 229 | $1,265.84 | $1,316.79 | $241,833 |
| 230 | $1,272.70 | $1,309.93 | $240,561 |
| 231 | $1,279.59 | $1,303.04 | $239,281 |
| 232 | $1,286.52 | $1,296.11 | $237,995 |
| 233 | $1,293.49 | $1,289.14 | $236,701 |
| 234 | $1,300.50 | $1,282.13 | $235,401 |
| 235 | $1,307.54 | $1,275.09 | $234,093 |
| 236 | $1,314.63 | $1,268.00 | $232,778 |
| 237 | $1,321.75 | $1,260.88 | $231,457 |
| 238 | $1,328.91 | $1,253.72 | $230,128 |
| 239 | $1,336.10 | $1,246.53 | $228,792 |
| 240 | $1,343.34 | $1,239.29 | $227,448 |
| 241 | $1,350.62 | $1,232.01 | $226,098 |
| 242 | $1,357.93 | $1,224.70 | $224,740 |
| 243 | $1,365.29 | $1,217.34 | $223,375 |
| 244 | $1,372.68 | $1,209.95 | $222,002 |
| 245 | $1,380.12 | $1,202.51 | $220,622 |
| 246 | $1,387.60 | $1,195.03 | $219,234 |
| 247 | $1,395.11 | $1,187.52 | $217,839 |
| 248 | $1,402.67 | $1,179.96 | $216,436 |
| 249 | $1,410.27 | $1,172.36 | $215,026 |
| 250 | $1,417.91 | $1,164.72 | $213,608 |
| 251 | $1,425.59 | $1,157.04 | $212,183 |
| 252 | $1,433.31 | $1,149.32 | $210,749 |
| 253 | $1,441.07 | $1,141.56 | $209,308 |
| 254 | $1,448.88 | $1,133.75 | $207,859 |
| 255 | $1,456.73 | $1,125.90 | $206,403 |
| 256 | $1,464.62 | $1,118.01 | $204,938 |
| 257 | $1,472.55 | $1,110.08 | $203,465 |
| 258 | $1,480.53 | $1,102.10 | $201,985 |
| 259 | $1,488.55 | $1,094.08 | $200,496 |
| 260 | $1,496.61 | $1,086.02 | $199,000 |
| 261 | $1,504.71 | $1,077.92 | $197,495 |
| 262 | $1,512.87 | $1,069.76 | $195,982 |
| 263 | $1,521.06 | $1,061.57 | $194,461 |
| 264 | $1,529.30 | $1,053.33 | $192,932 |
| 265 | $1,537.58 | $1,045.05 | $191,394 |
| 266 | $1,545.91 | $1,036.72 | $189,848 |
| 267 | $1,554.28 | $1,028.34 | $188,294 |
| 268 | $1,562.70 | $1,019.93 | $186,731 |
| 269 | $1,571.17 | $1,011.46 | $185,160 |
| 270 | $1,579.68 | $1,002.95 | $183,580 |
| 271 | $1,588.24 | $994.39 | $181,992 |
| 272 | $1,596.84 | $985.79 | $180,395 |
| 273 | $1,605.49 | $977.14 | $178,790 |
| 274 | $1,614.18 | $968.45 | $177,176 |
| 275 | $1,622.93 | $959.70 | $175,553 |
| 276 | $1,631.72 | $950.91 | $173,921 |
| 277 | $1,640.56 | $942.07 | $172,281 |
| 278 | $1,649.44 | $933.19 | $170,631 |
| 279 | $1,658.38 | $924.25 | $168,973 |
| 280 | $1,667.36 | $915.27 | $167,305 |
| 281 | $1,676.39 | $906.24 | $165,629 |
| 282 | $1,685.47 | $897.16 | $163,943 |
| 283 | $1,694.60 | $888.03 | $162,249 |
| 284 | $1,703.78 | $878.85 | $160,545 |
| 285 | $1,713.01 | $869.62 | $158,832 |
| 286 | $1,722.29 | $860.34 | $157,110 |
| 287 | $1,731.62 | $851.01 | $155,378 |
| 288 | $1,741.00 | $841.63 | $153,637 |
| 289 | $1,750.43 | $832.20 | $151,887 |
| 290 | $1,759.91 | $822.72 | $150,127 |
| 291 | $1,769.44 | $813.19 | $148,357 |
| 292 | $1,779.03 | $803.60 | $146,578 |
| 293 | $1,788.66 | $793.97 | $144,790 |
| 294 | $1,798.35 | $784.28 | $142,991 |
| 295 | $1,808.09 | $774.54 | $141,183 |
| 296 | $1,817.89 | $764.74 | $139,365 |
| 297 | $1,827.73 | $754.90 | $137,538 |
| 298 | $1,837.63 | $745.00 | $135,700 |
| 299 | $1,847.59 | $735.04 | $133,852 |
| 300 | $1,857.60 | $725.03 | $131,995 |
| 301 | $1,867.66 | $714.97 | $130,127 |
| 302 | $1,877.77 | $704.86 | $128,249 |
| 303 | $1,887.95 | $694.68 | $126,361 |
| 304 | $1,898.17 | $684.46 | $124,463 |
| 305 | $1,908.45 | $674.18 | $122,555 |
| 306 | $1,918.79 | $663.84 | $120,636 |
| 307 | $1,929.18 | $653.45 | $118,707 |
| 308 | $1,939.63 | $643.00 | $116,767 |
| 309 | $1,950.14 | $632.49 | $114,817 |
| 310 | $1,960.70 | $621.93 | $112,856 |
| 311 | $1,971.32 | $611.31 | $110,885 |
| 312 | $1,982.00 | $600.63 | $108,903 |
| 313 | $1,992.74 | $589.89 | $106,910 |
| 314 | $2,003.53 | $579.10 | $104,907 |
| 315 | $2,014.39 | $568.24 | $102,892 |
| 316 | $2,025.30 | $557.33 | $100,867 |
| 317 | $2,036.27 | $546.36 | $98,831 |
| 318 | $2,047.30 | $535.33 | $96,784 |
| 319 | $2,058.39 | $524.24 | $94,725 |
| 320 | $2,069.54 | $513.09 | $92,656 |
| 321 | $2,080.75 | $501.88 | $90,575 |
| 322 | $2,092.02 | $490.61 | $88,483 |
| 323 | $2,103.35 | $479.28 | $86,379 |
| 324 | $2,114.74 | $467.89 | $84,265 |
| 325 | $2,126.20 | $456.43 | $82,139 |
| 326 | $2,137.71 | $444.92 | $80,001 |
| 327 | $2,149.29 | $433.34 | $77,852 |
| 328 | $2,160.93 | $421.70 | $75,691 |
| 329 | $2,172.64 | $409.99 | $73,518 |
| 330 | $2,184.41 | $398.22 | $71,334 |
| 331 | $2,196.24 | $386.39 | $69,137 |
| 332 | $2,208.14 | $374.49 | $66,929 |
| 333 | $2,220.10 | $362.53 | $64,709 |
| 334 | $2,232.12 | $350.51 | $62,477 |
| 335 | $2,244.21 | $338.42 | $60,233 |
| 336 | $2,256.37 | $326.26 | $57,976 |
| 337 | $2,268.59 | $314.04 | $55,708 |
| 338 | $2,280.88 | $301.75 | $53,427 |
| 339 | $2,293.23 | $289.40 | $51,134 |
| 340 | $2,305.66 | $276.97 | $48,828 |
| 341 | $2,318.14 | $264.49 | $46,510 |
| 342 | $2,330.70 | $251.93 | $44,179 |
| 343 | $2,343.33 | $239.30 | $41,836 |
| 344 | $2,356.02 | $226.61 | $39,480 |
| 345 | $2,368.78 | $213.85 | $37,111 |
| 346 | $2,381.61 | $201.02 | $34,729 |
| 347 | $2,394.51 | $188.12 | $32,335 |
| 348 | $2,407.48 | $175.15 | $29,927 |
| 349 | $2,420.52 | $162.11 | $27,507 |
| 350 | $2,433.63 | $149.00 | $25,073 |
| 351 | $2,446.82 | $135.81 | $22,626 |
| 352 | $2,460.07 | $122.56 | $20,166 |
| 353 | $2,473.40 | $109.23 | $17,693 |
| 354 | $2,486.79 | $95.84 | $15,206 |
| 355 | $2,500.26 | $82.37 | $12,706 |
| 356 | $2,513.81 | $68.82 | $10,192 |
| 357 | $2,527.42 | $55.21 | $7,665 |
| 358 | $2,541.11 | $41.52 | $5,124 |
| 359 | $2,554.88 | $27.75 | $2,569 |
| 360 | $2,568.72 | $13.91 | $0 |
What this calculator models
This calculator computes the full PITI (principal, interest, taxes, and insurance) for a VA or conventional mortgage and then generates a month-by-month amortization schedule for the life of the loan. PITI is the standard measure of monthly housing expense used by lenders during underwriting.
The key inputs are loan amount, interest rate, loan term (typically 15 or 30 years), estimated annual property tax rate, and homeowners insurance. The principal and interest payment is derived from the standard fixed-rate amortization formula. Property tax and insurance defaults are based on state-level data from the Tax Foundation 2026 State Tax Data; you can override them with your own estimates. For VA loans, no private mortgage insurance (PMI) applies regardless of down payment amount.
The amortization schedule shows each month's breakdown: how much of your payment goes toward interest, how much reduces the principal, and the remaining loan balance. Early payments are predominantly interest; the share shifts toward principal over time. Use this to find the payoff month, estimate equity at any point, or compare a 15-year vs. 30-year term side by side.