VA Loan Calculator — Wisconsin
An eligible VA borrower can buy the typical Wisconsin home ($340,000) with no down payment. The 2.15% first-use funding fee ($7,310) is rolled into a $347,310 loan, and there is no monthly mortgage insurance — saving about $152 a month versus FHA MIP on the same home.
Wisconsin has the 10th-highest effective property tax rate of the 50 states at 1.32% — $1,394 more a year than the 0.91% state average on a $340,000 home. Homeowners insurance averages $1,812 a year, the 15th-lowest premium nationally and $908 less than the typical state.
Loan Parameters
Total Monthly Payment
$2,843
Principal & Interest + Taxes + Insurance · no mortgage insurance
APR 7.242%
Total Interest
$487,052
Total Cost
$1,023,362
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 | $27,812 | $3,508 | $24,304 | — | $343,802 | -$3,802 |
| Year 2 | $27,812 | $3,762 | $24,050 | — | $340,040 | -$40 |
| Year 3 | $27,812 | $4,035 | $23,776 | — | $336,005 | $3,995 |
| Year 4 | $27,812 | $4,329 | $23,483 | — | $331,676 | $8,324 |
| Year 5 | $27,812 | $4,643 | $23,169 | — | $327,033 | $12,967 |
| Year 6 | $27,812 | $4,980 | $22,832 | — | $322,053 | $17,947 |
| Year 7 | $27,812 | $5,342 | $22,470 | — | $316,712 | $23,288 |
| Year 8 | $27,812 | $5,729 | $22,083 | — | $310,983 | $29,017 |
| Year 9 | $27,812 | $6,145 | $21,667 | — | $304,837 | $35,163 |
| Year 10 | $27,812 | $6,592 | $21,220 | — | $298,246 | $41,754 |
| Year 11 | $27,812 | $7,070 | $20,742 | — | $291,175 | $48,825 |
| Year 12 | $27,812 | $7,584 | $20,228 | — | $283,592 | $56,408 |
| Year 13 | $27,812 | $8,134 | $19,678 | — | $275,458 | $64,542 |
| Year 14 | $27,812 | $8,725 | $19,087 | — | $266,733 | $73,267 |
| Year 15 | $27,812 | $9,358 | $18,454 | — | $257,375 | $82,625 |
| Year 16 | $27,812 | $10,038 | $17,774 | — | $247,337 | $92,663 |
| Year 17 | $27,812 | $10,767 | $17,045 | — | $236,570 | $103,430 |
| Year 18 | $27,812 | $11,548 | $16,263 | — | $225,022 | $114,978 |
| Year 19 | $27,812 | $12,387 | $15,425 | — | $212,635 | $127,365 |
| Year 20 | $27,812 | $13,286 | $14,526 | — | $199,348 | $140,652 |
| Year 21 | $27,812 | $14,251 | $13,561 | — | $185,097 | $154,903 |
| Year 22 | $27,812 | $15,286 | $12,526 | — | $169,811 | $170,189 |
| Year 23 | $27,812 | $16,396 | $11,416 | — | $153,416 | $186,584 |
| Year 24 | $27,812 | $17,586 | $10,226 | — | $135,829 | $204,171 |
| Year 25 | $27,812 | $18,863 | $8,949 | — | $116,966 | $223,034 |
| Year 26 | $27,812 | $20,233 | $7,579 | — | $96,733 | $243,267 |
| Year 27 | $27,812 | $21,702 | $6,110 | — | $75,031 | $264,969 |
| Year 28 | $27,812 | $23,278 | $4,534 | — | $51,754 | $288,246 |
| Year 29 | $27,812 | $24,968 | $2,844 | — | $26,786 | $313,214 |
| Year 30 | $27,817 | $26,786 | $1,031 | — | $0 | $340,000 |
VA Loan numbers for Wisconsin
- Typical Wisconsin home value
- $340,000
- 0% down ($0) · Zillow, August 31, 2026
- Loan amount
- $347,310
- Includes $7,310 financed funding fee
- Estimated monthly payment
- $2,843
- APR 7.242%
- Wisconsin property tax
- 1.32%
- $374/mo
- Homeowners insurance
- $1,812/yr
- $151/mo
- VA funding fee (first use)
- 2.15% · $7,310
- Financed; exempt with VA disability compensation
- Monthly savings vs FHA MIP
- $152/mo
- Same $340,000 home, FHA at 3.5% down
How much house can you afford in Wisconsin with a va loan?
Highest price where principal, interest, Wisconsin 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 | $128,000 | $0 | 38% |
| $75,000 | $1,750 | $201,000 | $0 | 59% |
| $100,000 | $2,333 | $275,000 | $0 | 81% |
| $125,000 | $2,917 | $349,000 | $0 | 103% |
| $150,000 | $3,500 | $423,000 | $0 | 125% |
| $200,000 | $4,667 | $570,000 | $0 | 168% |
| $250,000 | $5,833 | $717,000 | $0 | 211% |
VA vs other loan types in Wisconsin
$340,000 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% · $34,000 | $306,000 | — | $184 PMI | $2,751 | 7.488% |
| FHA | 3.5% · $11,900 | $333,842 | UFMIP $5,742 | $152 MIP | $2,905 | 7.761% |
| VA | 0% · $0 | $347,310 | Funding fee $7,310 | $0 | $2,843 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $68,000 | $272,000 | — | $0 | $2,340 | 7.030% |
Frequently asked questions
What is the monthly payment on a $340,000 home with a va loan in Wisconsin?
Estimated $2,843 per month ($2,318 principal & interest, $374 property tax, $151 insurance) at 7.03% for 30 years, with 0% down. APR 7.242%.
How much is the VA funding fee on a $340,000 Wisconsin home?
$7,310 (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.