{{GOOGLE_VERIFICATION}} VA Loan Calculator for Delaware (DE) — Free Calculator | MortgageCalcTools

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VA Loan Calculator for Delaware

Free va loan calculator tailored for Delaware (DE). 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 Delaware

VA loans allow eligible veterans and active-duty service members to buy a home in Delaware with no down payment. On the median Delaware home of $340,000, that's the full $340,000 financed — no down payment required.

VA Loan Limits in Delaware

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Delaware is relevant only for veterans with reduced entitlement. All Delaware counties are at the standard conforming limit.

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 $340,000 loan, the funding fee is approximately $7,310. Veterans with service-connected disabilities are exempt.

Property Taxes in Delaware

VA loans don't change your property tax obligation. Delaware's effective rate is 0.57%, adding ~$161/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 Delaware?

Yes. VA loans are available in all states including Delaware. Eligible veterans and service members can buy the median Delaware home ($340,000) with no down payment.

What is the VA loan limit in Delaware?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $726,200 applies. All Delaware counties are at the standard conforming limit.

How much is the VA funding fee in Delaware?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Delaware's median home of $340,000, that's approximately $7,310. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Delaware?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $2,900 in Delaware. Delaware charges a 4% real estate transfer tax (split between buyer and seller at 2% each), which is among the higher transfer taxes nationally. Sellers can also contribute to closing costs.

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