Calculator

VA House Hack Calculator (2–4 Unit)

Zero down on a 2–4 unit primary residence, with tenants in the other units.

The property

Purchase price

Units (1–4)

You must occupy one unit as your primary residence.

Market rent per non-owner unit

Documented by VA appraiser on Form 1007/1025.

Down payment

0% with full entitlement, even on jumbo balances above the conforming limit.

Monthly housing costs

Assumed rate

User-supplied assumption, not a published or offered rate

Term (years)

Property taxes / mo

Insurance / mo

HOA / mo

Assumed annual appreciation

Your own hypothetical. Property values can rise or fall; no appreciation is assured.

VA funding fee

Funding fee exemptDisability rating, Purple Heart, or eligible surviving spouse.Subsequent useYou've used VA entitlement before.

Results

Enter your own assumed interest rate above to see estimated results.

We do not publish or preload rates. Any rate you enter is your own assumption, not a quoted or available rate.

Educational estimate only—not a Loan Estimate, credit decision, commitment to lend, or guarantee. Actual eligibility, rates, fees, payments, and terms may differ.

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