5.0 · 624 reviews · Jim Blackburn · NMLS #1072866
Equal Housing Lender
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Government · VA · High Balance Purchase

VA High Balance Purchase Loan Payment Calculator

Buy above the standard county limit with your VA benefit. Estimate your base loan, funding fee, payment, cash to close, and the income you'd need to qualify.

Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer

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Are you a disabled veteran?

Disabled veterans are exempt from the VA funding fee.

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Look up your county conforming loan limit on FHFA.gov.

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Summary

Total Monthly Housing Expense$5,595Includes disabled-veteran property tax discount where applicable.
Cash to Close — without seller credit$293,450The amount above the county limit comes as a down payment, plus 6% estimated closing costs. Not a Loan Estimate.
Cash to Close — with 6% seller credit$233,450

Loan Buildup

Base Loan Amount$766,550Capped at the county loan limit.
VA Funding Fee$16,481
Funding Fee Discount (disabled)-$16,481
Final Loan Amount$766,550

Payment Breakdown

Principal & Interest Payment$5,095
Monthly Insurance$500
Monthly Taxes$833
Property Tax Discount (disabled)-$833
HOA Paid Separately$0
Monthly Income Target to Qualify$11,189Assumes a 50% DTI qualifying ratio.
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Estimates only — not a commitment to lend.

Jim Blackburn

By Jim Blackburn

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Important Disclaimer

This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.

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