VA Mortgage Calculator

Yes — the funding fee is financed directly into the loan rather than paid separately, so Total Loan Amount equals Base Loan Amount (Home Price minus Down Payment) plus the funding fee itself (line 16); at the calculator's own defaults that adds $7,525 on top of the $350,000 purchase price, for a $357,525 loan.

Because the default Down Payment is $0 — VA loans famously allow 0% down. A percentage move on a $0 starting value is still $0, so at the defaults Down Payment can't visibly change Loan Amount, Monthly P&I, or Total Interest, even though it clearly would move all three if you entered a real down payment amount.

No — Property Tax and Insurance both move Funding Fee, Loan Amount, and Monthly P&I by exactly zero percent across a ±10% probe; the funding fee is calculated purely from Base Loan Amount and the VA Funding Fee percentage (line 15), while property tax and insurance only enter Total Monthly Payment and Total Cost as separate line items (lines 31-33, 38).

Yes, slightly, for any ordinary loan (Down Payment less than Home Price) — because the funding fee becomes part of the amortized principal rather than a cash cost, Total Interest responds to VA Funding Fee (a ±10% span of about 0.4%), meaning you pay interest on the fee itself for as long as the loan is outstanding, on top of the fee's own dollar cost. That relationship only holds while Base Loan Amount is positive; Down Payment can be entered up to $2,000,000 against a $350,000 default Home Price, and pushing it past Home Price flips Base Loan Amount negative, which flips this relationship's direction too — not a real financing scenario, since there'd be no loan left to take out.

Home Price — its ±10% span is about 16-17% of Total Monthly Payment — more than Interest Rate (about 11%), Loan Term (about 6%), Property Tax (about 3%), or Insurance and the Funding Fee percentage (under 1% each) — because Home Price feeds directly into Base Loan Amount, the Funding Fee, and therefore Monthly P&I all at once.