VA Loan Calculator — Kansas
An eligible VA borrower can buy the typical Kansas home ($250,000) with no down payment. The 2.15% first-use funding fee ($5,375) is rolled into a $255,375 loan, and there is no monthly mortgage insurance — saving about $112 a month versus FHA MIP on the same home.
Kansas has the 13th-highest effective property tax rate of the 50 states at 1.21% — $750 more a year than the 0.91% state average on a $250,000 home. Homeowners insurance averages $5,260 a year, the 3rd-highest premium nationally and $2,540 more than the typical state.
Loan Parameters
Total Monthly Payment
$2,395
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$358,128
Total Cost
$862,051
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 | $20,450 | $2,579 | $17,871 | — | $252,796 | -$2,796 |
| Year 2 | $20,450 | $2,766 | $17,684 | — | $250,030 | -$30 |
| Year 3 | $20,450 | $2,967 | $17,483 | — | $247,062 | $2,938 |
| Year 4 | $20,450 | $3,183 | $17,267 | — | $243,880 | $6,120 |
| Year 5 | $20,450 | $3,414 | $17,036 | — | $240,466 | $9,534 |
| Year 6 | $20,450 | $3,662 | $16,788 | — | $236,804 | $13,196 |
| Year 7 | $20,450 | $3,928 | $16,522 | — | $232,877 | $17,123 |
| Year 8 | $20,450 | $4,213 | $16,237 | — | $228,664 | $21,336 |
| Year 9 | $20,450 | $4,519 | $15,931 | — | $224,145 | $25,855 |
| Year 10 | $20,450 | $4,847 | $15,603 | — | $219,299 | $30,701 |
| Year 11 | $20,450 | $5,199 | $15,251 | — | $214,100 | $35,900 |
| Year 12 | $20,450 | $5,576 | $14,874 | — | $208,524 | $41,476 |
| Year 13 | $20,450 | $5,981 | $14,469 | — | $202,543 | $47,457 |
| Year 14 | $20,450 | $6,415 | $14,035 | — | $196,128 | $53,872 |
| Year 15 | $20,450 | $6,881 | $13,569 | — | $189,247 | $60,753 |
| Year 16 | $20,450 | $7,381 | $13,069 | — | $181,866 | $68,134 |
| Year 17 | $20,450 | $7,917 | $12,533 | — | $173,949 | $76,051 |
| Year 18 | $20,450 | $8,491 | $11,959 | — | $165,458 | $84,542 |
| Year 19 | $20,450 | $9,108 | $11,342 | — | $156,350 | $93,650 |
| Year 20 | $20,450 | $9,769 | $10,681 | — | $146,581 | $103,419 |
| Year 21 | $20,450 | $10,479 | $9,971 | — | $136,102 | $113,898 |
| Year 22 | $20,450 | $11,240 | $9,210 | — | $124,862 | $125,138 |
| Year 23 | $20,450 | $12,056 | $8,394 | — | $112,807 | $137,193 |
| Year 24 | $20,450 | $12,931 | $7,519 | — | $99,876 | $150,124 |
| Year 25 | $20,450 | $13,870 | $6,580 | — | $86,006 | $163,994 |
| Year 26 | $20,450 | $14,877 | $5,573 | — | $71,129 | $178,871 |
| Year 27 | $20,450 | $15,957 | $4,493 | — | $55,172 | $194,828 |
| Year 28 | $20,450 | $17,116 | $3,334 | — | $38,056 | $211,944 |
| Year 29 | $20,450 | $18,359 | $2,091 | — | $19,697 | $230,303 |
| Year 30 | $20,455 | $19,697 | $758 | — | $0 | $250,000 |
VA Loan numbers for Kansas
- Typical Kansas home value
- $250,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $255,375
- Includes $5,375 financed funding fee
- Estimated monthly payment
- $2,395
- APR 7.242%
- Kansas property tax
- 1.21%
- $252/mo
- Homeowners insurance
- $5,260/yr
- $438/mo
- VA funding fee (first use)
- 2.15% · $5,375
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $112/mo
- Same $250,000 home, FHA at 3.5% down
How much house can you afford in Kansas with a va loan?
Highest price where principal, interest, Kansas 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 | $93,000 | $0 | 37% |
| $75,000 | $1,750 | $167,000 | $0 | 67% |
| $100,000 | $2,333 | $242,000 | $0 | 97% |
| $125,000 | $2,917 | $316,000 | $0 | 127% |
| $150,000 | $3,500 | $391,000 | $0 | 157% |
| $200,000 | $4,667 | $540,000 | $0 | 216% |
| $250,000 | $5,833 | $689,000 | $0 | 276% |
VA vs other loan types in Kansas
$250,000 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% · $25,000 | $225,000 | — | $135 PMI | $2,327 | 7.488% |
| FHA | 3.5% · $8,750 | $245,472 | UFMIP $4,222 | $112 MIP | $2,440 | 7.761% |
| VA | 0% · $0 | $255,375 | Funding fee $5,375 | $0 | $2,395 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $50,000 | $200,000 | — | $0 | $2,025 | 7.030% |
Frequently asked questions
What is the monthly payment on a $250,000 home with a va loan in Kansas?
Estimated $2,395 per month ($1,704 principal & interest, $252 property tax, $438 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $250,000 Kansas home?
$5,375 (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.