VA Loan Calculator
See your real monthly payment with zero down, no PMI, and the VA funding fee rolled in. Built by a veteran-led team for Jacksonville military families.
VA rates typically 0.25-0.5% below conventional
FL flood zones: NFIP ~$2,500/yr avg
Nocatee/E-Town CDDs: $125-250/mo
VA Jumbo Loan
Loan exceeds $832,750 conforming limit. With full VA entitlement you can still go $0 down (up to $2.5M with most lenders). With partial entitlement, you'll need down payment on amount over limit.
Monthly Payment (VA Loan · No PMI)
$0
You save ~$0/mo vs. conventional with no PMI
VA Funding Fee
$0
0%
Total Loan (with fee)
$0
financed amount
Principal & Interest
$0
Property Tax
$0
Insurance
$0
HOA
$0
Get your VA loan eligibility review
Keneshia is a veteran and VA loan specialist, she'll walk you through your entitlement, COE, and Jacksonville lender options.
Thank you for your service, Keneshia will reach out within 24 hours.
Frequently Asked Questions
Do I have to pay the VA funding fee?
Not always. Veterans with a service-connected disability rating, Purple Heart recipients, and surviving spouses of veterans who died in service are exempt from the VA funding fee. This can save $8,000-$15,000+ on a typical Jacksonville home purchase.
What is the difference between first-use and subsequent-use rates?
If this is your first time using your VA loan benefit, you pay a lower funding fee (2.15% with $0 down). If you've used your VA loan benefit before, the rate increases to 3.30% with $0 down. Making a 5% or 10% down payment lowers the fee in both cases.
Can I roll the VA funding fee into my loan?
Yes, most veterans finance the funding fee into the loan rather than paying cash at closing. This calculator shows your total financed loan amount including the rolled-in fee.
Do VA loans require PMI?
No. VA loans never require Private Mortgage Insurance (PMI), even with $0 down. This is one of the biggest financial advantages of using your VA loan benefit, saving you $100-$300+ per month compared to a conventional loan with less than 20% down.
What's the current VA loan limit in Jacksonville?
There is no loan limit if you have full VA entitlement, you can borrow as much as the lender approves with $0 down. For veterans with partial entitlement, the 2026 conforming loan limit in Duval County applies. Keneshia can help you understand your entitlement status.