VA Loan Calculator — Idaho
An eligible VA borrower can buy the typical Idaho home ($479,000) with no down payment. The 2.15% first-use funding fee ($10,299) is rolled into a $489,299 loan, and there is no monthly mortgage insurance — saving about $215 a month versus FHA MIP on the same home.
Idaho has the 7th-lowest effective property tax rate of the 50 states at 0.50% — $1,964 less a year than the 0.91% state average on a $479,000 home. Homeowners insurance averages $2,240 a year, the 23rd-lowest premium nationally and $480 less than the typical state.
Loan Parameters
Total Monthly Payment
$3,651
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$686,165
Total Cost
$1,314,514
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 | $39,182 | $4,942 | $34,240 | — | $484,357 | -$5,357 |
| Year 2 | $39,182 | $5,301 | $33,882 | — | $479,056 | -$56 |
| Year 3 | $39,182 | $5,685 | $33,497 | — | $473,371 | $5,629 |
| Year 4 | $39,182 | $6,098 | $33,084 | — | $467,273 | $11,727 |
| Year 5 | $39,182 | $6,541 | $32,641 | — | $460,732 | $18,268 |
| Year 6 | $39,182 | $7,016 | $32,166 | — | $453,716 | $25,284 |
| Year 7 | $39,182 | $7,525 | $31,657 | — | $446,190 | $32,810 |
| Year 8 | $39,182 | $8,072 | $31,110 | — | $438,119 | $40,881 |
| Year 9 | $39,182 | $8,658 | $30,524 | — | $429,461 | $49,539 |
| Year 10 | $39,182 | $9,287 | $29,896 | — | $420,174 | $58,826 |
| Year 11 | $39,182 | $9,961 | $29,221 | — | $410,214 | $68,786 |
| Year 12 | $39,182 | $10,684 | $28,498 | — | $399,530 | $79,470 |
| Year 13 | $39,182 | $11,460 | $27,722 | — | $388,070 | $90,930 |
| Year 14 | $39,182 | $12,292 | $26,890 | — | $375,778 | $103,222 |
| Year 15 | $39,182 | $13,184 | $25,998 | — | $362,593 | $116,407 |
| Year 16 | $39,182 | $14,142 | $25,040 | — | $348,452 | $130,548 |
| Year 17 | $39,182 | $15,169 | $24,014 | — | $333,283 | $145,717 |
| Year 18 | $39,182 | $16,270 | $22,912 | — | $317,013 | $161,987 |
| Year 19 | $39,182 | $17,451 | $21,731 | — | $299,562 | $179,438 |
| Year 20 | $39,182 | $18,718 | $20,464 | — | $280,843 | $198,157 |
| Year 21 | $39,182 | $20,078 | $19,105 | — | $260,766 | $218,234 |
| Year 22 | $39,182 | $21,535 | $17,647 | — | $239,230 | $239,770 |
| Year 23 | $39,182 | $23,099 | $16,083 | — | $216,131 | $262,869 |
| Year 24 | $39,182 | $24,776 | $14,406 | — | $191,355 | $287,645 |
| Year 25 | $39,182 | $26,575 | $12,607 | — | $164,780 | $314,220 |
| Year 26 | $39,182 | $28,505 | $10,677 | — | $136,275 | $342,725 |
| Year 27 | $39,182 | $30,575 | $8,607 | — | $105,700 | $373,300 |
| Year 28 | $39,182 | $32,795 | $6,387 | — | $72,905 | $406,095 |
| Year 29 | $39,182 | $35,176 | $4,006 | — | $37,729 | $441,271 |
| Year 30 | $39,181 | $37,729 | $1,452 | — | $0 | $479,000 |
VA Loan numbers for Idaho
- Typical Idaho home value
- $479,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $489,299
- Includes $10,299 financed funding fee
- Estimated monthly payment
- $3,651
- APR 7.242%
- Idaho property tax
- 0.50%
- $200/mo
- Homeowners insurance
- $2,240/yr
- $187/mo
- VA funding fee (first use)
- 2.15% · $10,299
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $215/mo
- Same $479,000 home, FHA at 3.5% down
How much house can you afford in Idaho with a va loan?
Highest price where principal, interest, Idaho 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 | $135,000 | $0 | 28% |
| $75,000 | $1,750 | $216,000 | $0 | 45% |
| $100,000 | $2,333 | $296,000 | $0 | 62% |
| $125,000 | $2,917 | $377,000 | $0 | 79% |
| $150,000 | $3,500 | $458,000 | $0 | 96% |
| $200,000 | $4,667 | $619,000 | $0 | 129% |
| $250,000 | $5,833 | $780,000 | $0 | 163% |
VA vs other loan types in Idaho
$479,000 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% · $47,900 | $431,100 | — | $259 PMI | $3,522 | 7.488% |
| FHA | 3.5% · $16,765 | $470,324 | UFMIP $8,089 | $215 MIP | $3,739 | 7.761% |
| VA | 0% · $0 | $489,299 | Funding fee $10,299 | $0 | $3,651 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $95,800 | $383,200 | — | $0 | $2,943 | 7.030% |
Frequently asked questions
What is the monthly payment on a $479,000 home with a va loan in Idaho?
Estimated $3,651 per month ($3,265 principal & interest, $200 property tax, $187 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $479,000 Idaho home?
$10,299 (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.