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.
Auto-adjusts rate based on FICO tier
Good credit: +0.22% above best rate
Improving to 760+ would save
$0/mo
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.