VA Loan Calculator — Nevada
An eligible VA borrower can buy the typical Nevada home ($442,000) with no down payment. The 2.15% first-use funding fee ($9,503) is rolled into a $451,503 loan, and there is no monthly mortgage insurance — saving about $198 a month versus FHA MIP on the same home.
Nevada has the 6th-lowest effective property tax rate of the 50 states at 0.50% — $1,812 less a year than the 0.91% state average on a $442,000 home. Homeowners insurance averages $1,774 a year, the 14th-lowest premium nationally and $946 less than the typical state.
Loan Parameters
Total Monthly Payment
$3,345
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$633,166
Total Cost
$1,204,189
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 | $36,156 | $4,560 | $31,596 | — | $446,943 | -$4,943 |
| Year 2 | $36,156 | $4,891 | $31,264 | — | $442,052 | -$52 |
| Year 3 | $36,156 | $5,246 | $30,909 | — | $436,806 | $5,194 |
| Year 4 | $36,156 | $5,627 | $30,528 | — | $431,179 | $10,821 |
| Year 5 | $36,156 | $6,036 | $30,120 | — | $425,143 | $16,857 |
| Year 6 | $36,156 | $6,474 | $29,682 | — | $418,669 | $23,331 |
| Year 7 | $36,156 | $6,944 | $29,212 | — | $411,725 | $30,275 |
| Year 8 | $36,156 | $7,448 | $28,707 | — | $404,277 | $37,723 |
| Year 9 | $36,156 | $7,989 | $28,167 | — | $396,288 | $45,712 |
| Year 10 | $36,156 | $8,569 | $27,586 | — | $387,719 | $54,281 |
| Year 11 | $36,156 | $9,191 | $26,964 | — | $378,528 | $63,472 |
| Year 12 | $36,156 | $9,859 | $26,297 | — | $368,669 | $73,331 |
| Year 13 | $36,156 | $10,574 | $25,581 | — | $358,095 | $83,905 |
| Year 14 | $36,156 | $11,342 | $24,813 | — | $346,752 | $95,248 |
| Year 15 | $36,156 | $12,166 | $23,990 | — | $334,586 | $107,414 |
| Year 16 | $36,156 | $13,049 | $23,106 | — | $321,537 | $120,463 |
| Year 17 | $36,156 | $13,997 | $22,159 | — | $307,540 | $134,460 |
| Year 18 | $36,156 | $15,013 | $21,142 | — | $292,527 | $149,473 |
| Year 19 | $36,156 | $16,103 | $20,052 | — | $276,424 | $165,576 |
| Year 20 | $36,156 | $17,272 | $18,883 | — | $259,152 | $182,848 |
| Year 21 | $36,156 | $18,527 | $17,629 | — | $240,625 | $201,375 |
| Year 22 | $36,156 | $19,872 | $16,284 | — | $220,754 | $221,246 |
| Year 23 | $36,156 | $21,315 | $14,841 | — | $199,439 | $242,561 |
| Year 24 | $36,156 | $22,862 | $13,293 | — | $176,577 | $265,423 |
| Year 25 | $36,156 | $24,522 | $11,633 | — | $152,054 | $289,946 |
| Year 26 | $36,156 | $26,303 | $9,853 | — | $125,752 | $316,249 |
| Year 27 | $36,156 | $28,213 | $7,943 | — | $97,539 | $344,461 |
| Year 28 | $36,156 | $30,261 | $5,894 | — | $67,278 | $374,723 |
| Year 29 | $36,156 | $32,459 | $3,697 | — | $34,819 | $407,181 |
| Year 30 | $36,159 | $34,819 | $1,340 | — | $0 | $442,000 |
VA Loan numbers for Nevada
- Typical Nevada home value
- $442,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $451,503
- Includes $9,503 financed funding fee
- Estimated monthly payment
- $3,345
- APR 7.242%
- Nevada property tax
- 0.50%
- $184/mo
- Homeowners insurance
- $1,774/yr
- $148/mo
- VA funding fee (first use)
- 2.15% · $9,503
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $198/mo
- Same $442,000 home, FHA at 3.5% down
How much house can you afford in Nevada with a va loan?
Highest price where principal, interest, Nevada 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 | $140,000 | $0 | 32% |
| $75,000 | $1,750 | $221,000 | $0 | 50% |
| $100,000 | $2,333 | $302,000 | $0 | 68% |
| $125,000 | $2,917 | $382,000 | $0 | 86% |
| $150,000 | $3,500 | $463,000 | $0 | 105% |
| $200,000 | $4,667 | $624,000 | $0 | 141% |
| $250,000 | $5,833 | $786,000 | $0 | 178% |
VA vs other loan types in Nevada
$442,000 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% · $44,200 | $397,800 | — | $239 PMI | $3,225 | 7.488% |
| FHA | 3.5% · $15,470 | $433,994 | UFMIP $7,464 | $198 MIP | $3,426 | 7.761% |
| VA | 0% · $0 | $451,503 | Funding fee $9,503 | $0 | $3,345 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $88,400 | $353,600 | — | $0 | $2,692 | 7.030% |
Frequently asked questions
What is the monthly payment on a $442,000 home with a va loan in Nevada?
Estimated $3,345 per month ($3,013 principal & interest, $184 property tax, $148 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $442,000 Nevada home?
$9,503 (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.