VA Loan Calculator — Pennsylvania
An eligible VA borrower can buy the typical Pennsylvania home ($290,000) with no down payment. The 2.15% first-use funding fee ($6,235) is rolled into a $296,235 loan, and there is no monthly mortgage insurance — saving about $130 a month versus FHA MIP on the same home.
Pennsylvania has the 12th-highest effective property tax rate of the 50 states at 1.26% — $1,015 more a year than the 0.91% state average on a $290,000 home. Homeowners insurance averages $1,529 a year, the 9th-lowest premium nationally and $1,191 less than the typical state.
Loan Parameters
Total Monthly Payment
$2,409
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$415,425
Total Cost
$867,151
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 | $23,722 | $2,992 | $20,730 | — | $293,243 | -$3,243 |
| Year 2 | $23,722 | $3,209 | $20,513 | — | $290,034 | -$34 |
| Year 3 | $23,722 | $3,442 | $20,280 | — | $286,592 | $3,408 |
| Year 4 | $23,722 | $3,692 | $20,030 | — | $282,900 | $7,100 |
| Year 5 | $23,722 | $3,960 | $19,762 | — | $278,940 | $11,060 |
| Year 6 | $23,722 | $4,248 | $19,474 | — | $274,692 | $15,308 |
| Year 7 | $23,722 | $4,556 | $19,166 | — | $270,136 | $19,864 |
| Year 8 | $23,722 | $4,887 | $18,835 | — | $265,250 | $24,750 |
| Year 9 | $23,722 | $5,242 | $18,480 | — | $260,008 | $29,992 |
| Year 10 | $23,722 | $5,622 | $18,100 | — | $254,386 | $35,614 |
| Year 11 | $23,722 | $6,030 | $17,691 | — | $248,355 | $41,645 |
| Year 12 | $23,722 | $6,468 | $17,254 | — | $241,887 | $48,113 |
| Year 13 | $23,722 | $6,938 | $16,784 | — | $234,949 | $55,051 |
| Year 14 | $23,722 | $7,442 | $16,280 | — | $227,507 | $62,493 |
| Year 15 | $23,722 | $7,982 | $15,740 | — | $219,525 | $70,475 |
| Year 16 | $23,722 | $8,562 | $15,160 | — | $210,963 | $79,037 |
| Year 17 | $23,722 | $9,183 | $14,539 | — | $201,780 | $88,220 |
| Year 18 | $23,722 | $9,850 | $13,872 | — | $191,929 | $98,071 |
| Year 19 | $23,722 | $10,565 | $13,157 | — | $181,364 | $108,636 |
| Year 20 | $23,722 | $11,333 | $12,389 | — | $170,031 | $119,969 |
| Year 21 | $23,722 | $12,155 | $11,567 | — | $157,876 | $132,124 |
| Year 22 | $23,722 | $13,038 | $10,684 | — | $144,838 | $145,162 |
| Year 23 | $23,722 | $13,985 | $9,737 | — | $130,853 | $159,147 |
| Year 24 | $23,722 | $15,000 | $8,722 | — | $115,853 | $174,147 |
| Year 25 | $23,722 | $16,089 | $7,633 | — | $99,763 | $190,237 |
| Year 26 | $23,722 | $17,258 | $6,464 | — | $82,506 | $207,494 |
| Year 27 | $23,722 | $18,511 | $5,211 | — | $63,995 | $226,005 |
| Year 28 | $23,722 | $19,855 | $3,867 | — | $44,140 | $245,860 |
| Year 29 | $23,722 | $21,296 | $2,426 | — | $22,844 | $267,156 |
| Year 30 | $23,723 | $22,844 | $879 | — | $0 | $290,000 |
VA Loan numbers for Pennsylvania
- Typical Pennsylvania home value
- $290,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $296,235
- Includes $6,235 financed funding fee
- Estimated monthly payment
- $2,409
- APR 7.242%
- Pennsylvania property tax
- 1.26%
- $305/mo
- Homeowners insurance
- $1,529/yr
- $127/mo
- VA funding fee (first use)
- 2.15% · $6,235
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $130/mo
- Same $290,000 home, FHA at 3.5% down
How much house can you afford in Pennsylvania with a va loan?
Highest price where principal, interest, Pennsylvania 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 | $132,000 | $0 | 45% |
| $75,000 | $1,750 | $206,000 | $0 | 71% |
| $100,000 | $2,333 | $280,000 | $0 | 96% |
| $125,000 | $2,917 | $354,000 | $0 | 122% |
| $150,000 | $3,500 | $428,000 | $0 | 147% |
| $200,000 | $4,667 | $577,000 | $0 | 199% |
| $250,000 | $5,833 | $725,000 | $0 | 250% |
VA vs other loan types in Pennsylvania
$290,000 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% · $29,000 | $261,000 | — | $157 PMI | $2,330 | 7.488% |
| FHA | 3.5% · $10,150 | $284,747 | UFMIP $4,897 | $130 MIP | $2,462 | 7.761% |
| VA | 0% · $0 | $296,235 | Funding fee $6,235 | $0 | $2,409 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $58,000 | $232,000 | — | $0 | $1,980 | 7.030% |
Frequently asked questions
What is the monthly payment on a $290,000 home with a va loan in Pennsylvania?
Estimated $2,409 per month ($1,977 principal & interest, $305 property tax, $127 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $290,000 Pennsylvania home?
$6,235 (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.