How amortization works
A fixed-rate VA loan is amortized: each monthly payment is split between interest (highest early on) and principal (highest later). The schedule you see above shows exactly how that split shifts over the life of the loan.
VA Amortization Calculator
Every dollar of a VA loan — mapped, month by month.
Model your full VA payment (with financed funding fee, taxes, insurance, HOA, and extra principal), then see the complete amortization schedule, payoff date, and interest saved.
Inputs & summary
Full monthly outlay (PITI + HOA)
$2,950
Principal & interest
$2,417
Starting loan
$408,600
Financed funding fee
$8,600 (2.15%)
Payoff month
Jul 2056
Total interest
$461,528
Total paid (P&I + extra)
$870,128
Estimates only. Taxes, insurance, and HOA are shown for monthly outlay context and are not amortized against loan balance. Confirm your funding fee and rate with a licensed loan officer.
Amortization schedule
| # | Date | Payment | Principal | Interest | Extra | Balance | Cum. interest |
|---|---|---|---|---|---|---|---|
| 1 | Aug 2026 | $2,417.02 | $416.59 | $2,000.44 | — | $408,183 | $2,000 |
| 2 | Sep 2026 | $2,417.02 | $418.63 | $1,998.40 | — | $407,765 | $3,999 |
| 3 | Oct 2026 | $2,417.02 | $420.67 | $1,996.35 | — | $407,344 | $5,995 |
| 4 | Nov 2026 | $2,417.02 | $422.73 | $1,994.29 | — | $406,921 | $7,989 |
| 5 | Dec 2026 | $2,417.02 | $424.80 | $1,992.22 | — | $406,497 | $9,982 |
| 6 | Jan 2027 | $2,417.02 | $426.88 | $1,990.14 | — | $406,070 | $11,972 |
| 7 | Feb 2027 | $2,417.02 | $428.97 | $1,988.05 | — | $405,641 | $13,960 |
| 8 | Mar 2027 | $2,417.02 | $431.07 | $1,985.95 | — | $405,210 | $15,946 |
| 9 | Apr 2027 | $2,417.02 | $433.18 | $1,983.84 | — | $404,776 | $17,930 |
| 10 | May 2027 | $2,417.02 | $435.31 | $1,981.72 | — | $404,341 | $19,911 |
| 11 | Jun 2027 | $2,417.02 | $437.44 | $1,979.59 | — | $403,904 | $21,891 |
| 12 | Jul 2027 | $2,417.02 | $439.58 | $1,977.45 | — | $403,464 | $23,868 |
| 13 | Aug 2027 | $2,417.02 | $441.73 | $1,975.29 | — | $403,022 | $25,844 |
| 14 | Sep 2027 | $2,417.02 | $443.89 | $1,973.13 | — | $402,579 | $27,817 |
| 15 | Oct 2027 | $2,417.02 | $446.07 | $1,970.96 | — | $402,132 | $29,788 |
| 16 | Nov 2027 | $2,417.02 | $448.25 | $1,968.77 | — | $401,684 | $31,757 |
| 17 | Dec 2027 | $2,417.02 | $450.44 | $1,966.58 | — | $401,234 | $33,723 |
| 18 | Jan 2028 | $2,417.02 | $452.65 | $1,964.37 | — | $400,781 | $35,688 |
| 19 | Feb 2028 | $2,417.02 | $454.87 | $1,962.16 | — | $400,326 | $37,650 |
| 20 | Mar 2028 | $2,417.02 | $457.09 | $1,959.93 | — | $399,869 | $39,610 |
| 21 | Apr 2028 | $2,417.02 | $459.33 | $1,957.69 | — | $399,410 | $41,567 |
| 22 | May 2028 | $2,417.02 | $461.58 | $1,955.44 | — | $398,948 | $43,523 |
| 23 | Jun 2028 | $2,417.02 | $463.84 | $1,953.18 | — | $398,484 | $45,476 |
| 24 | Jul 2028 | $2,417.02 | $466.11 | $1,950.91 | — | $398,018 | $47,427 |
| 25 | Aug 2028 | $2,417.02 | $468.39 | $1,948.63 | — | $397,550 | $49,375 |
| 26 | Sep 2028 | $2,417.02 | $470.69 | $1,946.34 | — | $397,079 | $51,322 |
| 27 | Oct 2028 | $2,417.02 | $472.99 | $1,944.03 | — | $396,606 | $53,266 |
| 28 | Nov 2028 | $2,417.02 | $475.31 | $1,941.72 | — | $396,131 | $55,208 |
| 29 | Dec 2028 | $2,417.02 | $477.63 | $1,939.39 | — | $395,653 | $57,147 |
| 30 | Jan 2029 | $2,417.02 | $479.97 | $1,937.05 | — | $395,173 | $59,084 |
| 31 | Feb 2029 | $2,417.02 | $482.32 | $1,934.70 | — | $394,691 | $61,019 |
| 32 | Mar 2029 | $2,417.02 | $484.68 | $1,932.34 | — | $394,206 | $62,951 |
| 33 | Apr 2029 | $2,417.02 | $487.05 | $1,929.97 | — | $393,719 | $64,881 |
| 34 | May 2029 | $2,417.02 | $489.44 | $1,927.58 | — | $393,230 | $66,809 |
| 35 | Jun 2029 | $2,417.02 | $491.84 | $1,925.19 | — | $392,738 | $68,734 |
| 36 | Jul 2029 | $2,417.02 | $494.24 | $1,922.78 | — | $392,244 | $70,657 |
| 37 | Aug 2029 | $2,417.02 | $496.66 | $1,920.36 | — | $391,747 | $72,577 |
| 38 | Sep 2029 | $2,417.02 | $499.09 | $1,917.93 | — | $391,248 | $74,495 |
| 39 | Oct 2029 | $2,417.02 | $501.54 | $1,915.48 | — | $390,746 | $76,410 |
| 40 | Nov 2029 | $2,417.02 | $503.99 | $1,913.03 | — | $390,242 | $78,323 |
| 41 | Dec 2029 | $2,417.02 | $506.46 | $1,910.56 | — | $389,736 | $80,234 |
| 42 | Jan 2030 | $2,417.02 | $508.94 | $1,908.08 | — | $389,227 | $82,142 |
| 43 | Feb 2030 | $2,417.02 | $511.43 | $1,905.59 | — | $388,716 | $84,048 |
| 44 | Mar 2030 | $2,417.02 | $513.94 | $1,903.09 | — | $388,202 | $85,951 |
| 45 | Apr 2030 | $2,417.02 | $516.45 | $1,900.57 | — | $387,685 | $87,851 |
| 46 | May 2030 | $2,417.02 | $518.98 | $1,898.04 | — | $387,166 | $89,749 |
| 47 | Jun 2030 | $2,417.02 | $521.52 | $1,895.50 | — | $386,645 | $91,645 |
| 48 | Jul 2030 | $2,417.02 | $524.08 | $1,892.95 | — | $386,121 | $93,538 |
| 49 | Aug 2030 | $2,417.02 | $526.64 | $1,890.38 | — | $385,594 | $95,428 |
| 50 | Sep 2030 | $2,417.02 | $529.22 | $1,887.80 | — | $385,065 | $97,316 |
| 51 | Oct 2030 | $2,417.02 | $531.81 | $1,885.21 | — | $384,533 | $99,201 |
| 52 | Nov 2030 | $2,417.02 | $534.41 | $1,882.61 | — | $383,999 | $101,084 |
| 53 | Dec 2030 | $2,417.02 | $537.03 | $1,879.99 | — | $383,462 | $102,964 |
| 54 | Jan 2031 | $2,417.02 | $539.66 | $1,877.36 | — | $382,922 | $104,841 |
| 55 | Feb 2031 | $2,417.02 | $542.30 | $1,874.72 | — | $382,380 | $106,716 |
| 56 | Mar 2031 | $2,417.02 | $544.96 | $1,872.07 | — | $381,835 | $108,588 |
| 57 | Apr 2031 | $2,417.02 | $547.62 | $1,869.40 | — | $381,287 | $110,457 |
| 58 | May 2031 | $2,417.02 | $550.31 | $1,866.72 | — | $380,737 | $112,324 |
| 59 | Jun 2031 | $2,417.02 | $553.00 | $1,864.02 | — | $380,184 | $114,188 |
| 60 | Jul 2031 | $2,417.02 | $555.71 | $1,861.32 | — | $379,628 | $116,049 |
Funding fee, financed
Most veterans finance the VA funding fee. That means it's added to your base loan and amortized with everything else — you don't pay it out of pocket, but you do pay interest on it. Exempt borrowers pay $0.
Extra principal shortens the loan
Even a small monthly principal add can cut years off a 30-year VA loan and save tens of thousands in interest. Enter an "Extra monthly principal" above and watch the payoff month and interest saved recalculate instantly.
VA Home Mortgage Loan is a private company and is not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs or any government agency. Equal Housing Lender. Rates and funding fee percentages are illustrative and change over time; confirm with a licensed loan officer before making decisions.