VA Loan Calculator — New Hampshire
An eligible VA borrower can buy the typical New Hampshire home ($516,000) with no down payment. The 2.15% first-use funding fee ($11,094) is rolled into a $527,094 loan, and there is no monthly mortgage insurance — saving about $231 a month versus FHA MIP on the same home.
New Hampshire has the 6th-highest effective property tax rate of the 50 states at 1.50% — $3,044 more a year than the 0.91% state average on a $516,000 home. Homeowners insurance averages $1,300 a year, the 3rd-lowest premium nationally and $1,420 less than the typical state.
Loan Parameters
Total Monthly Payment
$4,271
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$739,165
Total Cost
$1,537,457
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 | $42,209 | $5,323 | $36,885 | — | $521,771 | -$5,771 |
| Year 2 | $42,209 | $5,710 | $36,499 | — | $516,061 | -$61 |
| Year 3 | $42,209 | $6,125 | $36,084 | — | $509,936 | $6,064 |
| Year 4 | $42,209 | $6,569 | $35,640 | — | $503,367 | $12,633 |
| Year 5 | $42,209 | $7,046 | $35,163 | — | $496,320 | $19,680 |
| Year 6 | $42,209 | $7,558 | $34,651 | — | $488,763 | $27,237 |
| Year 7 | $42,209 | $8,107 | $34,102 | — | $480,656 | $35,344 |
| Year 8 | $42,209 | $8,695 | $33,513 | — | $471,960 | $44,040 |
| Year 9 | $42,209 | $9,327 | $32,882 | — | $462,634 | $53,366 |
| Year 10 | $42,209 | $10,004 | $32,205 | — | $452,630 | $63,370 |
| Year 11 | $42,209 | $10,730 | $31,479 | — | $441,900 | $74,100 |
| Year 12 | $42,209 | $11,509 | $30,699 | — | $430,390 | $85,610 |
| Year 13 | $42,209 | $12,345 | $29,864 | — | $418,045 | $97,955 |
| Year 14 | $42,209 | $13,241 | $28,967 | — | $404,804 | $111,196 |
| Year 15 | $42,209 | $14,203 | $28,006 | — | $390,601 | $125,399 |
| Year 16 | $42,209 | $15,234 | $26,975 | — | $375,366 | $140,634 |
| Year 17 | $42,209 | $16,340 | $25,868 | — | $359,026 | $156,974 |
| Year 18 | $42,209 | $17,527 | $24,682 | — | $341,499 | $174,501 |
| Year 19 | $42,209 | $18,799 | $23,409 | — | $322,700 | $193,300 |
| Year 20 | $42,209 | $20,165 | $22,044 | — | $302,535 | $213,465 |
| Year 21 | $42,209 | $21,629 | $20,580 | — | $280,906 | $235,094 |
| Year 22 | $42,209 | $23,199 | $19,010 | — | $257,707 | $258,293 |
| Year 23 | $42,209 | $24,884 | $17,325 | — | $232,824 | $283,176 |
| Year 24 | $42,209 | $26,690 | $15,518 | — | $206,133 | $309,867 |
| Year 25 | $42,209 | $28,628 | $13,580 | — | $177,505 | $338,495 |
| Year 26 | $42,209 | $30,707 | $11,502 | — | $146,798 | $369,202 |
| Year 27 | $42,209 | $32,937 | $9,272 | — | $113,861 | $402,139 |
| Year 28 | $42,209 | $35,328 | $6,881 | — | $78,533 | $437,467 |
| Year 29 | $42,209 | $37,893 | $4,315 | — | $40,639 | $475,361 |
| Year 30 | $42,203 | $40,639 | $1,564 | — | $0 | $516,000 |
VA Loan numbers for New Hampshire
- Typical New Hampshire home value
- $516,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $527,094
- Includes $11,094 financed funding fee
- Estimated monthly payment
- $4,271
- APR 7.242%
- New Hampshire property tax
- 1.50%
- $645/mo
- Homeowners insurance
- $1,300/yr
- $108/mo
- VA funding fee (first use)
- 2.15% · $11,094
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $231/mo
- Same $516,000 home, FHA at 3.5% down
How much house can you afford in New Hampshire with a va loan?
Highest price where principal, interest, New Hampshire 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 | $131,000 | $0 | 25% |
| $75,000 | $1,750 | $203,000 | $0 | 39% |
| $100,000 | $2,333 | $275,000 | $0 | 53% |
| $125,000 | $2,917 | $348,000 | $0 | 67% |
| $150,000 | $3,500 | $420,000 | $0 | 81% |
| $200,000 | $4,667 | $565,000 | $0 | 109% |
| $250,000 | $5,833 | $709,000 | $0 | 137% |
VA vs other loan types in New Hampshire
$516,000 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% · $51,600 | $464,400 | — | $279 PMI | $4,131 | 7.488% |
| FHA | 3.5% · $18,060 | $506,654 | UFMIP $8,714 | $231 MIP | $4,365 | 7.761% |
| VA | 0% · $0 | $527,094 | Funding fee $11,094 | $0 | $4,271 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $103,200 | $412,800 | — | $0 | $3,508 | 7.030% |
Frequently asked questions
What is the monthly payment on a $516,000 home with a va loan in New Hampshire?
Estimated $4,271 per month ($3,517 principal & interest, $645 property tax, $108 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $516,000 New Hampshire home?
$11,094 (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
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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.