VA Affordability Calculator
See how much home you can afford with $0 down and no PMI — powered by your VA benefit.
Your Financial Details
Explore Your VA Options
Get a personalized VA loan analysis from a specialist.
Talk to an AdvisorStart Pre-ApprovalAll loans are subject to borrower qualification, underwriting approval, and program guidelines.
About This Calculator
This calculator uses a 41% back-end DTI ratio as a conservative baseline for estimation purposes. In practice, VA underwriting does not use a single hard DTI cap — it considers residual income, compensating factors, and the full financial picture. Your actual VA buying power may be higher or lower than shown.
Calculator results are estimates only and are not a loan approval, offer to lend, or guarantee of rate, payment, or terms. Actual payment, rate, fees, and loan terms may vary based on borrower qualifications, lender guidelines, taxes, insurance, and other factors. Scout Financial Group Inc DBA Airus Lending is a licensed mortgage broker (NMLS #2187418).
VA Affordability FAQs
VA loans require $0 down payment and no PMI, which means more of your income goes toward principal and interest rather than insurance premiums and down payment savings. This significantly increases your purchasing power.