VA Loan Calculator — Washington
An eligible VA borrower can buy the typical Washington home ($592,000) with no down payment. The 2.15% first-use funding fee ($12,728) is rolled into a $604,728 loan, and there is no monthly mortgage insurance — saving about $265 a month versus FHA MIP on the same home.
Washington has the 20th-lowest effective property tax rate of the 50 states at 0.75% — $947 less a year than the 0.91% state average on a $592,000 home. Homeowners insurance averages $1,753 a year, the 13th-lowest premium nationally and $967 less than the typical state.
Loan Parameters
Total Monthly Payment
$4,552
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$848,040
Total Cost
$1,638,556
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 | $48,426 | $6,107 | $42,318 | — | $598,621 | -$6,621 |
| Year 2 | $48,426 | $6,551 | $41,875 | — | $592,070 | -$70 |
| Year 3 | $48,426 | $7,027 | $41,399 | — | $585,043 | $6,957 |
| Year 4 | $48,426 | $7,537 | $40,889 | — | $577,506 | $14,494 |
| Year 5 | $48,426 | $8,084 | $40,342 | — | $569,422 | $22,578 |
| Year 6 | $48,426 | $8,671 | $39,755 | — | $560,751 | $31,249 |
| Year 7 | $48,426 | $9,301 | $39,125 | — | $551,451 | $40,549 |
| Year 8 | $48,426 | $9,976 | $38,450 | — | $541,475 | $50,525 |
| Year 9 | $48,426 | $10,700 | $37,725 | — | $530,775 | $61,225 |
| Year 10 | $48,426 | $11,477 | $36,948 | — | $519,297 | $72,703 |
| Year 11 | $48,426 | $12,311 | $36,115 | — | $506,987 | $85,013 |
| Year 12 | $48,426 | $13,204 | $35,221 | — | $493,782 | $98,218 |
| Year 13 | $48,426 | $14,163 | $34,262 | — | $479,619 | $112,381 |
| Year 14 | $48,426 | $15,192 | $33,234 | — | $464,428 | $127,572 |
| Year 15 | $48,426 | $16,295 | $32,131 | — | $448,133 | $143,867 |
| Year 16 | $48,426 | $17,478 | $30,948 | — | $430,655 | $161,345 |
| Year 17 | $48,426 | $18,747 | $29,679 | — | $411,908 | $180,092 |
| Year 18 | $48,426 | $20,108 | $28,317 | — | $391,800 | $200,200 |
| Year 19 | $48,426 | $21,568 | $26,857 | — | $370,232 | $221,768 |
| Year 20 | $48,426 | $23,134 | $25,291 | — | $347,098 | $244,902 |
| Year 21 | $48,426 | $24,814 | $23,612 | — | $322,284 | $269,716 |
| Year 22 | $48,426 | $26,616 | $21,810 | — | $295,668 | $296,332 |
| Year 23 | $48,426 | $28,548 | $19,877 | — | $267,120 | $324,880 |
| Year 24 | $48,426 | $30,621 | $17,804 | — | $236,499 | $355,501 |
| Year 25 | $48,426 | $32,845 | $15,581 | — | $203,655 | $388,345 |
| Year 26 | $48,426 | $35,229 | $13,196 | — | $168,425 | $423,575 |
| Year 27 | $48,426 | $37,787 | $10,638 | — | $130,638 | $461,362 |
| Year 28 | $48,426 | $40,531 | $7,894 | — | $90,107 | $501,893 |
| Year 29 | $48,426 | $43,474 | $4,951 | — | $46,633 | $545,367 |
| Year 30 | $48,428 | $46,633 | $1,795 | — | $0 | $592,000 |
VA Loan numbers for Washington
- Typical Washington home value
- $592,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $604,728
- Includes $12,728 financed funding fee
- Estimated monthly payment
- $4,552
- APR 7.242%
- Washington property tax
- 0.75%
- $370/mo
- Homeowners insurance
- $1,753/yr
- $146/mo
- VA funding fee (first use)
- 2.15% · $12,728
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $265/mo
- Same $592,000 home, FHA at 3.5% down
How much house can you afford in Washington with a va loan?
Highest price where principal, interest, Washington 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 | $137,000 | $0 | 23% |
| $75,000 | $1,750 | $215,000 | $0 | 36% |
| $100,000 | $2,333 | $293,000 | $0 | 50% |
| $125,000 | $2,917 | $372,000 | $0 | 63% |
| $150,000 | $3,500 | $450,000 | $0 | 76% |
| $200,000 | $4,667 | $607,000 | $0 | 103% |
| $250,000 | $5,833 | $764,000 | $0 | 129% |
VA vs other loan types in Washington
$592,000 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% · $59,200 | $532,800 | — | $320 PMI | $4,391 | 7.488% |
| FHA | 3.5% · $20,720 | $581,277 | UFMIP $9,997 | $265 MIP | $4,660 | 7.761% |
| VA | 0% · $0 | $604,728 | Funding fee $12,728 | $0 | $4,552 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $118,400 | $473,600 | — | $0 | $3,677 | 7.030% |
Frequently asked questions
What is the monthly payment on a $592,000 home with a va loan in Washington?
Estimated $4,552 per month ($4,035 principal & interest, $370 property tax, $146 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $592,000 Washington home?
$12,728 (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.