VA Loan Affordability Calculator

See if you qualify — free, 60-second check.

$0 Down PaymentVA and Texas Vet loans require no down payment for eligible veterans.

Discounted RatesTexas Vet (VLB) rates are set weekly and often beat standard VA rates.

Disabled-Veteran Discount30%+ service-connected disability unlocks an additional rate reduction and a waived funding fee.

Up to $832,750Buy a primary residence on a fixed 15/20/25/30-year term.

★★★★★ 5.0 Google Reviews NMLS #XXXXXX Equal Housing Lender

See how much home you can afford on a VA or Texas Vet loan based on your income, debts, and rate — without the drag of mortgage insurance.

How to use this calculator

Enter your gross monthly income, monthly debts, rate, and down payment. We estimate your maximum home price using a 43% debt-to-income guideline.

Want your exact numbers? Use the free eligibility check at the top of this page and a licensed specialist will run them for you.

Frequently Asked Questions

How is affordability calculated?

We cap your total monthly housing payment near 43% of gross income after other debts, then back into a home price at your rate and down payment.

Do VA loans let me afford more?

Often yes — with no monthly PMI and competitive rates, more of your budget goes toward the home instead of insurance.