About VA Loan Check

What this site is

VA Loan Check is a collection of free VA loan calculators built for veterans, active duty service members, realtors, and loan officers. Every tool on this site is designed to answer a specific question a VA buyer faces: how much house can I afford, what will my payment be, does my income qualify, and what is my funding fee.

We write in plain English, show our math, and cite the official VA tables. No account is required. No upsell follows the calculation.

Why it exists

Most online mortgage calculators are built for conventional borrowers. They ignore the VA residual income test entirely, and they treat tax-free income the same as taxable income. Both of those errors undercount a veteran's true buying power by a meaningful amount.

A lender runs different math. When the lender's number comes back lower than the calculator said, buyers are caught off guard. VA Loan Check runs the same calculation a lender runs: salary and co-borrower income after estimated federal, state, and FICA taxes; tax-free income like VA disability and BAH counted 25 percent higher as VA guidelines require; and the full residual income test from VA Pamphlet 26-7. What you see here is what your lender sees.

Independence

VA Loan Check is reader supported through sponsorships. Advertisers pay for placements on the site. We accept only ads relevant to veterans and home buyers. We do not accept payment to change a number, alter an explanation, or favor any lender.

The calculators and content are always free to use, with no signup required.