VA Loan Calculator — Missouri
An eligible VA borrower can buy the typical Missouri home ($268,000) with no down payment. The 2.15% first-use funding fee ($5,762) is rolled into a $273,762 loan, and there is no monthly mortgage insurance — saving about $120 a month versus FHA MIP on the same home.
Missouri has the 23rd-highest effective property tax rate of the 50 states at 0.89% — $54 less a year than the 0.91% state average on a $268,000 home. Homeowners insurance averages $3,979 a year, the 9th-highest premium nationally and $1,259 more than the typical state.
Loan Parameters
Total Monthly Payment
$2,357
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$383,914
Total Cost
$848,602
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 | $21,922 | $2,765 | $19,158 | — | $270,997 | -$2,997 |
| Year 2 | $21,922 | $2,966 | $18,957 | — | $268,032 | -$32 |
| Year 3 | $21,922 | $3,181 | $18,741 | — | $264,851 | $3,149 |
| Year 4 | $21,922 | $3,412 | $18,511 | — | $261,439 | $6,561 |
| Year 5 | $21,922 | $3,660 | $18,263 | — | $257,779 | $10,221 |
| Year 6 | $21,922 | $3,925 | $17,997 | — | $253,854 | $14,146 |
| Year 7 | $21,922 | $4,210 | $17,712 | — | $249,644 | $18,356 |
| Year 8 | $21,922 | $4,516 | $17,406 | — | $245,128 | $22,872 |
| Year 9 | $21,922 | $4,844 | $17,078 | — | $240,284 | $27,716 |
| Year 10 | $21,922 | $5,196 | $16,727 | — | $235,088 | $32,912 |
| Year 11 | $21,922 | $5,573 | $16,349 | — | $229,515 | $38,485 |
| Year 12 | $21,922 | $5,978 | $15,945 | — | $223,538 | $44,462 |
| Year 13 | $21,922 | $6,412 | $15,511 | — | $217,126 | $50,874 |
| Year 14 | $21,922 | $6,877 | $15,045 | — | $210,249 | $57,751 |
| Year 15 | $21,922 | $7,376 | $14,546 | — | $202,872 | $65,128 |
| Year 16 | $21,922 | $7,912 | $14,010 | — | $194,960 | $73,040 |
| Year 17 | $21,922 | $8,487 | $13,436 | — | $186,474 | $81,526 |
| Year 18 | $21,922 | $9,103 | $12,820 | — | $177,371 | $90,629 |
| Year 19 | $21,922 | $9,764 | $12,159 | — | $167,607 | $100,393 |
| Year 20 | $21,922 | $10,473 | $11,450 | — | $157,135 | $110,865 |
| Year 21 | $21,922 | $11,233 | $10,689 | — | $145,901 | $122,099 |
| Year 22 | $21,922 | $12,049 | $9,874 | — | $133,853 | $134,147 |
| Year 23 | $21,922 | $12,924 | $8,999 | — | $120,929 | $147,071 |
| Year 24 | $21,922 | $13,862 | $8,060 | — | $107,067 | $160,933 |
| Year 25 | $21,922 | $14,869 | $7,054 | — | $92,198 | $175,802 |
| Year 26 | $21,922 | $15,948 | $5,974 | — | $76,250 | $191,750 |
| Year 27 | $21,922 | $17,106 | $4,816 | — | $59,144 | $208,856 |
| Year 28 | $21,922 | $18,348 | $3,574 | — | $40,796 | $227,204 |
| Year 29 | $21,922 | $19,680 | $2,242 | — | $21,116 | $246,884 |
| Year 30 | $21,928 | $21,116 | $813 | — | $0 | $268,000 |
VA Loan numbers for Missouri
- Typical Missouri home value
- $268,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $273,762
- Includes $5,762 financed funding fee
- Estimated monthly payment
- $2,357
- APR 7.242%
- Missouri property tax
- 0.89%
- $199/mo
- Homeowners insurance
- $3,979/yr
- $332/mo
- VA funding fee (first use)
- 2.15% · $5,762
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $120/mo
- Same $268,000 home, FHA at 3.5% down
How much house can you afford in Missouri with a va loan?
Highest price where principal, interest, Missouri 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 | $110,000 | $0 | 41% |
| $75,000 | $1,750 | $187,000 | $0 | 70% |
| $100,000 | $2,333 | $264,000 | $0 | 99% |
| $125,000 | $2,917 | $342,000 | $0 | 128% |
| $150,000 | $3,500 | $419,000 | $0 | 156% |
| $200,000 | $4,667 | $573,000 | $0 | 214% |
| $250,000 | $5,833 | $727,000 | $0 | 271% |
VA vs other loan types in Missouri
$268,000 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% · $26,800 | $241,200 | — | $145 PMI | $2,285 | 7.488% |
| FHA | 3.5% · $9,380 | $263,146 | UFMIP $4,526 | $120 MIP | $2,406 | 7.761% |
| VA | 0% · $0 | $273,762 | Funding fee $5,762 | $0 | $2,357 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $53,600 | $214,400 | — | $0 | $1,961 | 7.030% |
Frequently asked questions
What is the monthly payment on a $268,000 home with a va loan in Missouri?
Estimated $2,357 per month ($1,827 principal & interest, $199 property tax, $332 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $268,000 Missouri home?
$5,762 (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%.
Explore related calculators
Compare in Missouri
VA Loan calculator in nearby states
- VA Loan calculator — Arkansas ($1,964/mo)
- VA Loan calculator — Illinois ($2,718/mo)
- VA Loan calculator — Iowa ($2,144/mo)
- VA Loan calculator — Kansas ($2,395/mo)
- VA Loan calculator — Kentucky ($2,069/mo)
- VA Loan calculator — Nebraska ($2,632/mo)
- VA Loan calculator — Oklahoma ($2,084/mo)
- VA Loan calculator — Tennessee ($2,668/mo)
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.