VA Loan Calculator — Arizona
An eligible VA borrower can buy the typical Arizona home ($418,000) with no down payment. The 2.15% first-use funding fee ($8,987) is rolled into a $426,987 loan, and there is no monthly mortgage insurance — saving about $187 a month versus FHA MIP on the same home.
Arizona has the 4th-lowest effective property tax rate of the 50 states at 0.48% — $1,797 less a year than the 0.91% state average on a $418,000 home. Homeowners insurance averages $2,344 a year, the 25th-lowest premium nationally and $376 less than the typical state.
Loan Parameters
Total Monthly Payment
$3,212
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$598,787
Total Cost
$1,156,284
Advanced Parameters
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
N/A
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $34,192 | $4,312 | $29,880 | — | $422,675 | -$4,675 |
| Year 2 | $34,192 | $4,625 | $29,567 | — | $418,049 | -$49 |
| Year 3 | $34,192 | $4,961 | $29,231 | — | $413,088 | $4,912 |
| Year 4 | $34,192 | $5,322 | $28,871 | — | $407,766 | $10,234 |
| Year 5 | $34,192 | $5,708 | $28,484 | — | $402,058 | $15,942 |
| Year 6 | $34,192 | $6,122 | $28,070 | — | $395,936 | $22,064 |
| Year 7 | $34,192 | $6,567 | $27,625 | — | $389,369 | $28,631 |
| Year 8 | $34,192 | $7,044 | $27,149 | — | $382,325 | $35,675 |
| Year 9 | $34,192 | $7,555 | $26,637 | — | $374,770 | $43,230 |
| Year 10 | $34,192 | $8,104 | $26,089 | — | $366,666 | $51,334 |
| Year 11 | $34,192 | $8,692 | $25,500 | — | $357,974 | $60,026 |
| Year 12 | $34,192 | $9,323 | $24,869 | — | $348,651 | $69,349 |
| Year 13 | $34,192 | $10,000 | $24,192 | — | $338,651 | $79,349 |
| Year 14 | $34,192 | $10,726 | $23,466 | — | $327,924 | $90,076 |
| Year 15 | $34,192 | $11,505 | $22,687 | — | $316,419 | $101,581 |
| Year 16 | $34,192 | $12,341 | $21,852 | — | $304,078 | $113,922 |
| Year 17 | $34,192 | $13,237 | $20,956 | — | $290,842 | $127,158 |
| Year 18 | $34,192 | $14,198 | $19,995 | — | $276,644 | $141,356 |
| Year 19 | $34,192 | $15,229 | $18,964 | — | $261,415 | $156,585 |
| Year 20 | $34,192 | $16,334 | $17,858 | — | $245,080 | $172,920 |
| Year 21 | $34,192 | $17,521 | $16,672 | — | $227,560 | $190,440 |
| Year 22 | $34,192 | $18,793 | $15,400 | — | $208,767 | $209,233 |
| Year 23 | $34,192 | $20,157 | $14,035 | — | $188,610 | $229,390 |
| Year 24 | $34,192 | $21,621 | $12,571 | — | $166,989 | $251,011 |
| Year 25 | $34,192 | $23,191 | $11,002 | — | $143,798 | $274,202 |
| Year 26 | $34,192 | $24,875 | $9,318 | — | $118,924 | $299,076 |
| Year 27 | $34,192 | $26,681 | $7,512 | — | $92,243 | $325,757 |
| Year 28 | $34,192 | $28,618 | $5,574 | — | $63,625 | $354,375 |
| Year 29 | $34,192 | $30,696 | $3,496 | — | $32,929 | $385,071 |
| Year 30 | $34,196 | $32,929 | $1,267 | — | $0 | $418,000 |
VA Loan numbers for Arizona
- Typical Arizona home value
- $418,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $426,987
- Includes $8,987 financed funding fee
- Estimated monthly payment
- $3,212
- APR 7.242%
- Arizona property tax
- 0.48%
- $167/mo
- Homeowners insurance
- $2,344/yr
- $195/mo
- VA funding fee (first use)
- 2.15% · $8,987
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $187/mo
- Same $418,000 home, FHA at 3.5% down
How much house can you afford in Arizona with a va loan?
Highest price where principal, interest, Arizona property tax and insurance, with the 2.15% VA funding fee financed and no monthly mortgage insurance stay within 28% of gross income —0% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $134,000 | $0 | 32% |
| $75,000 | $1,750 | $215,000 | $0 | 51% |
| $100,000 | $2,333 | $296,000 | $0 | 71% |
| $125,000 | $2,917 | $377,000 | $0 | 90% |
| $150,000 | $3,500 | $457,000 | $0 | 109% |
| $200,000 | $4,667 | $619,000 | $0 | 148% |
| $250,000 | $5,833 | $781,000 | $0 | 187% |
VA vs other loan types in Arizona
$418,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $41,800 | $376,200 | — | $226 PMI | $3,099 | 7.488% |
| FHA | 3.5% · $14,630 | $410,429 | UFMIP $7,059 | $187 MIP | $3,289 | 7.761% |
| VA | 0% · $0 | $426,987 | Funding fee $8,987 | $0 | $3,212 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $83,600 | $334,400 | — | $0 | $2,594 | 7.030% |
Frequently asked questions
What is the monthly payment on a $418,000 home with a va loan in Arizona?
Estimated $3,212 per month ($2,849 principal & interest, $167 property tax, $195 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $418,000 Arizona home?
$8,987 (2.15%) for a first-time user with no down payment. Putting 5% down lowers it to 1.5%, and 10% down to 1.25%.
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Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
- VA — Funding fee and closing costs
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.