VA Loan Calculator — Vermont
An eligible VA borrower can buy the typical Vermont home ($399,000) with no down payment. The 2.15% first-use funding fee ($8,579) is rolled into a $407,579 loan, and there is no monthly mortgage insurance — saving about $179 a month versus FHA MIP on the same home.
Vermont has the 5th-highest effective property tax rate of the 50 states at 1.51% — $2,394 more a year than the 0.91% state average on a $399,000 home. Homeowners insurance averages $1,063 a year, the 2nd-lowest premium nationally and $1,657 less than the typical state.
Loan Parameters
Total Monthly Payment
$3,311
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$571,564
Total Cost
$1,191,780
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 | $32,638 | $4,116 | $28,522 | — | $403,462 | -$4,462 |
| Year 2 | $32,638 | $4,415 | $28,223 | — | $399,047 | -$47 |
| Year 3 | $32,638 | $4,736 | $27,902 | — | $394,311 | $4,689 |
| Year 4 | $32,638 | $5,080 | $27,558 | — | $389,231 | $9,769 |
| Year 5 | $32,638 | $5,449 | $27,190 | — | $383,783 | $15,217 |
| Year 6 | $32,638 | $5,844 | $26,794 | — | $377,938 | $21,062 |
| Year 7 | $32,638 | $6,269 | $26,370 | — | $371,670 | $27,330 |
| Year 8 | $32,638 | $6,724 | $25,915 | — | $364,946 | $34,054 |
| Year 9 | $32,638 | $7,212 | $25,426 | — | $357,734 | $41,266 |
| Year 10 | $32,638 | $7,736 | $24,903 | — | $349,999 | $49,001 |
| Year 11 | $32,638 | $8,297 | $24,341 | — | $341,701 | $57,299 |
| Year 12 | $32,638 | $8,900 | $23,738 | — | $332,802 | $66,198 |
| Year 13 | $32,638 | $9,546 | $23,092 | — | $323,256 | $75,744 |
| Year 14 | $32,638 | $10,239 | $22,399 | — | $313,017 | $85,983 |
| Year 15 | $32,638 | $10,983 | $21,656 | — | $302,034 | $96,966 |
| Year 16 | $32,638 | $11,780 | $20,858 | — | $290,254 | $108,746 |
| Year 17 | $32,638 | $12,635 | $20,003 | — | $277,619 | $121,381 |
| Year 18 | $32,638 | $13,553 | $19,085 | — | $264,066 | $134,934 |
| Year 19 | $32,638 | $14,537 | $18,101 | — | $249,530 | $149,470 |
| Year 20 | $32,638 | $15,592 | $17,046 | — | $233,937 | $165,063 |
| Year 21 | $32,638 | $16,724 | $15,914 | — | $217,213 | $181,787 |
| Year 22 | $32,638 | $17,939 | $14,699 | — | $199,274 | $199,726 |
| Year 23 | $32,638 | $19,241 | $13,397 | — | $180,033 | $218,967 |
| Year 24 | $32,638 | $20,638 | $12,000 | — | $159,394 | $239,606 |
| Year 25 | $32,638 | $22,137 | $10,501 | — | $137,257 | $261,743 |
| Year 26 | $32,638 | $23,744 | $8,894 | — | $113,513 | $285,487 |
| Year 27 | $32,638 | $25,468 | $7,170 | — | $88,044 | $310,956 |
| Year 28 | $32,638 | $27,318 | $5,320 | — | $60,726 | $338,274 |
| Year 29 | $32,638 | $29,301 | $3,337 | — | $31,425 | $367,575 |
| Year 30 | $32,634 | $31,425 | $1,209 | — | $0 | $399,000 |
VA Loan numbers for Vermont
- Typical Vermont home value
- $399,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $407,579
- Includes $8,579 financed funding fee
- Estimated monthly payment
- $3,311
- APR 7.242%
- Vermont property tax
- 1.51%
- $502/mo
- Homeowners insurance
- $1,063/yr
- $89/mo
- VA funding fee (first use)
- 2.15% · $8,579
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $179/mo
- Same $399,000 home, FHA at 3.5% down
How much house can you afford in Vermont with a va loan?
Highest price where principal, interest, Vermont 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 | $133,000 | $0 | 33% |
| $75,000 | $1,750 | $205,000 | $0 | 51% |
| $100,000 | $2,333 | $277,000 | $0 | 69% |
| $125,000 | $2,917 | $350,000 | $0 | 88% |
| $150,000 | $3,500 | $422,000 | $0 | 106% |
| $200,000 | $4,667 | $566,000 | $0 | 142% |
| $250,000 | $5,833 | $711,000 | $0 | 178% |
VA vs other loan types in Vermont
$399,000 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% · $39,900 | $359,100 | — | $215 PMI | $3,202 | 7.488% |
| FHA | 3.5% · $13,965 | $391,773 | UFMIP $6,738 | $179 MIP | $3,384 | 7.761% |
| VA | 0% · $0 | $407,579 | Funding fee $8,579 | $0 | $3,311 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $79,800 | $319,200 | — | $0 | $2,721 | 7.030% |
Frequently asked questions
What is the monthly payment on a $399,000 home with a va loan in Vermont?
Estimated $3,311 per month ($2,720 principal & interest, $502 property tax, $89 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $399,000 Vermont home?
$8,579 (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.