VA Loan Calculator — West Virginia
An eligible VA borrower can buy the typical West Virginia home ($179,000) with no down payment. The 2.15% first-use funding fee ($3,849) is rolled into a $182,849 loan, and there is no monthly mortgage insurance — saving about $80 a month versus FHA MIP on the same home.
West Virginia has the 9th-lowest effective property tax rate of the 50 states at 0.51% — $716 less a year than the 0.91% state average on a $179,000 home. Homeowners insurance averages $1,860 a year, the 17th-lowest premium nationally and $860 less than the typical state.
Loan Parameters
Total Monthly Payment
$1,451
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$256,418
Total Cost
$522,456
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 | $14,642 | $1,847 | $12,796 | — | $181,002 | -$2,002 |
| Year 2 | $14,642 | $1,981 | $12,661 | — | $179,021 | -$21 |
| Year 3 | $14,642 | $2,125 | $12,518 | — | $176,897 | $2,104 |
| Year 4 | $14,642 | $2,279 | $12,363 | — | $174,618 | $4,382 |
| Year 5 | $14,642 | $2,444 | $12,198 | — | $172,173 | $6,827 |
| Year 6 | $14,642 | $2,622 | $12,020 | — | $169,552 | $9,448 |
| Year 7 | $14,642 | $2,812 | $11,830 | — | $166,739 | $12,261 |
| Year 8 | $14,642 | $3,016 | $11,626 | — | $163,723 | $15,277 |
| Year 9 | $14,642 | $3,235 | $11,407 | — | $160,488 | $18,512 |
| Year 10 | $14,642 | $3,470 | $11,172 | — | $157,017 | $21,983 |
| Year 11 | $14,642 | $3,722 | $10,920 | — | $153,295 | $25,705 |
| Year 12 | $14,642 | $3,993 | $10,650 | — | $149,303 | $29,697 |
| Year 13 | $14,642 | $4,282 | $10,360 | — | $145,020 | $33,980 |
| Year 14 | $14,642 | $4,593 | $10,049 | — | $140,427 | $38,573 |
| Year 15 | $14,642 | $4,927 | $9,715 | — | $135,500 | $43,500 |
| Year 16 | $14,642 | $5,285 | $9,358 | — | $130,215 | $48,785 |
| Year 17 | $14,642 | $5,668 | $8,974 | — | $124,547 | $54,453 |
| Year 18 | $14,642 | $6,080 | $8,562 | — | $118,467 | $60,533 |
| Year 19 | $14,642 | $6,521 | $8,121 | — | $111,946 | $67,054 |
| Year 20 | $14,642 | $6,995 | $7,647 | — | $104,951 | $74,049 |
| Year 21 | $14,642 | $7,503 | $7,139 | — | $97,448 | $81,552 |
| Year 22 | $14,642 | $8,048 | $6,595 | — | $89,400 | $89,600 |
| Year 23 | $14,642 | $8,632 | $6,010 | — | $80,769 | $98,231 |
| Year 24 | $14,642 | $9,259 | $5,383 | — | $71,510 | $107,490 |
| Year 25 | $14,642 | $9,931 | $4,711 | — | $61,579 | $117,421 |
| Year 26 | $14,642 | $10,652 | $3,990 | — | $50,927 | $128,073 |
| Year 27 | $14,642 | $11,425 | $3,217 | — | $39,501 | $139,499 |
| Year 28 | $14,642 | $12,255 | $2,387 | — | $27,246 | $151,754 |
| Year 29 | $14,642 | $13,145 | $1,497 | — | $14,101 | $164,899 |
| Year 30 | $14,644 | $14,101 | $543 | — | $0 | $179,000 |
VA Loan numbers for West Virginia
- Typical West Virginia home value
- $179,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $182,849
- Includes $3,849 financed funding fee
- Estimated monthly payment
- $1,451
- APR 7.242%
- West Virginia property tax
- 0.51%
- $76/mo
- Homeowners insurance
- $1,860/yr
- $155/mo
- VA funding fee (first use)
- 2.15% · $3,849
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $80/mo
- Same $179,000 home, FHA at 3.5% down
How much house can you afford in West Virginia with a va loan?
Highest price where principal, interest, West Virginia 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 | $139,000 | $0 | 77% |
| $75,000 | $1,750 | $220,000 | $0 | 123% |
| $100,000 | $2,333 | $300,000 | $0 | 167% |
| $125,000 | $2,917 | $381,000 | $0 | 212% |
| $150,000 | $3,500 | $461,000 | $0 | 257% |
| $200,000 | $4,667 | $623,000 | $0 | 347% |
| $250,000 | $5,833 | $784,000 | $0 | 437% |
VA vs other loan types in West Virginia
$179,000 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% · $17,900 | $161,100 | — | $97 PMI | $1,403 | 7.488% |
| FHA | 3.5% · $6,265 | $175,758 | UFMIP $3,023 | $80 MIP | $1,484 | 7.761% |
| VA | 0% · $0 | $182,849 | Funding fee $3,849 | $0 | $1,451 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $35,800 | $143,200 | — | $0 | $1,187 | 7.030% |
Frequently asked questions
What is the monthly payment on a $179,000 home with a va loan in West Virginia?
Estimated $1,451 per month ($1,220 principal & interest, $76 property tax, $155 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $179,000 West Virginia home?
$3,849 (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.