{{GOOGLE_VERIFICATION}} VA Loan Calculator for Arizona (AZ) — Free Calculator | MortgageCalcTools

MortgageCalcToolsby tuditools.com

VA Loan Calculator for Arizona

Free va loan calculator tailored for Arizona (AZ). Calculate instantly with state-specific rates and rules.

Home Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term

Usage & Service Type

Disability Exempt (0% funding fee)

Down Payment

Base Loan Amount

VA Funding Fee

Total Loan (with fee)

Monthly Payment

PMI Savings vs Conventional

Total Interest Over Life

Total Cost

VA Loans in Arizona

VA loans allow eligible veterans and active-duty service members to buy a home in Arizona with no down payment. On the median Arizona home of $320,000, that's the full $320,000 financed — no down payment required.

VA Loan Limits in Arizona

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Arizona is relevant only for veterans with reduced entitlement. Most Arizona counties are at the standard conforming limit. Scottsdale and parts of Maricopa County approach this ceiling.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $320,000 loan, the funding fee is approximately $6,880. Veterans with service-connected disabilities are exempt.

Property Taxes in Arizona

VA loans don't change your property tax obligation. Arizona's effective rate is 0.62%, adding ~$165/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

VA Loan Calculator for Other States

Frequently Asked Questions

Can I use a VA loan in Arizona?

Yes. VA loans are available in all states including Arizona. Eligible veterans and service members can buy the median Arizona home ($320,000) with no down payment.

What is the VA loan limit in Arizona?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. Most Arizona counties are at the standard conforming limit. Scottsdale and parts of Maricopa County approach this ceiling.

How much is the VA funding fee in Arizona?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Arizona's median home of $320,000, that's approximately $6,880. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Arizona?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $2,600 in Arizona. Arizona imposes no mortgage recording tax. Title insurance and escrow fees are the primary closing cost components. Sellers can also contribute to closing costs.

More from TUDITOOLS

CalcuWealth

Free financial calculators for retirement, investing & budgeting

PropertyCalcTools

Free real estate & property calculators

Easy Calculators

100+ free everyday calculators

+v.toLocaleString('en-US',{minimumFractionDigits:2,maximumFractionDigits:2});};window.calcVA=function(){var price=parseFloat(document.getElementById('va-price').value)||0;var downPct=parseFloat(document.getElementById('va-down').value)||0;var rate=parseFloat(document.getElementById('va-rate').value)||0;var term=parseInt(document.getElementById('va-term').value)||30;var feePct=parseFloat(document.getElementById('va-usage').value)||2.15;var exempt=document.getElementById('va-exempt').checked;if(exempt)feePct=0;if(downPct>=5&&downPct<10)feePct=Math.max(feePct-0.5,0);if(downPct>=10)feePct=Math.max(feePct-0.9,0);var downAmt=price*(downPct/100);var baseLoan=price-downAmt;var feeAmt=baseLoan*(feePct/100);var totalLoan=baseLoan+feeAmt;var r=rate/100/12;var n=term*12;var monthly=0;if(r===0){monthly=totalLoan/n;}else{monthly=totalLoan*(r*Math.pow(1+r,n))/(Math.pow(1+r,n)-1);}var convPMIrate=0.007;var monthlyPMIsave=downPct<20?(baseLoan*convPMIrate/12):0;var totalInterest=(monthly*n)-totalLoan;var totalCost=(monthly*n)+downAmt;document.getElementById('va-down-amt').textContent=fmt(downAmt);document.getElementById('va-base-loan').textContent=fmt(baseLoan);document.getElementById('va-fee-amt').textContent=fmt(feeAmt)+' ('+feePct.toFixed(2)+'%)';document.getElementById('va-total-loan').textContent=fmt(totalLoan);document.getElementById('va-monthly').textContent=fmt(monthly);document.getElementById('va-pmi-save').textContent=fmt(monthlyPMIsave)+'/mo';document.getElementById('va-total-interest').textContent=fmt(totalInterest);document.getElementById('va-total-cost').textContent=fmt(totalCost);document.getElementById('va-result').classList.add('show');};})();