Calculators
Run the Numbers. Know Your Options.
Estimate VA purchase, refinance, IRRRL, and construction payments. Check your entitlement and residual income. Match your BAH to a monthly housing cost. Compare renting vs. buying, and see what an average 21-day closing looks like from start to finish.
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12 Calculators
Purchase · Refinance · IRRRL · More
Calculator 03
VA purchase payment
Estimate a full VA purchase payment — principal, interest, taxes, and insurance — with the funding fee financed into the loan.
$0 down is allowed for eligible borrowers with full entitlement.
Most VA buyers choose 30 years.
Exemption generally applies with service-connected disability compensation, eligible surviving spouses, and active-duty Purple Heart recipients.
The 21-day or less
closing timeline
A visual path from signed purchase contract to closing, with work moving in parallel instead of waiting for one department to finish before the next begins.
Day 0–1
Contract & disclosures
Signed contract received, application details confirmed, disclosures issued, and documents requested.
Day 2–5
Documents & appraisal
Income, assets, entitlement, and insurance are reviewed while the appraisal is ordered.
Day 6–12
Underwriting
The complete file is reviewed and any remaining conditions are identified for resolution.
Day 13–18
Clear to close
Final conditions, title work, appraisal items, and closing figures are completed.
Day 19–21
Sign & fund
Final disclosure timing is satisfied, documents are signed, and the transaction funds.
Twenty-one days is our average for purchase loans measured from signed contract to closing, not a guaranteed closing time. Appraisal availability, title issues, documentation, borrower responsiveness, property conditions, and underwriting can change the schedule.
Estimates are for planning only and assume a fixed-rate term. Actual figures depend on credit, residual income, county tax rates, insurance quotes, and final underwriting.
Terms on this page
Tap a term for a plain-language definition, or browse the full glossary.
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