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VA Loan Calculator for Maryland

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

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 Maryland

VA loans allow eligible veterans and active-duty service members to buy a home in Maryland with no down payment. On the median Maryland home of $380,000, that's the full $380,000 financed — no down payment required.

VA Loan Limits in Maryland

Veterans with full entitlement have no VA loan limit. The conforming limit of $1,089,300 in Maryland is relevant only for veterans with reduced entitlement. Montgomery and Howard counties qualify for the maximum high-cost conforming limit. Other Maryland counties are at $726,200.

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 $380,000 loan, the funding fee is approximately $8,170. Veterans with service-connected disabilities are exempt.

Property Taxes in Maryland

VA loans don't change your property tax obligation. Maryland's effective rate is 1.09%, adding ~$345/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

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Frequently Asked Questions

Can I use a VA loan in Maryland?
Yes. VA loans are available in all states including Maryland. Eligible veterans and service members can buy the median Maryland home ($380,000) with no down payment.
What is the VA loan limit in Maryland?
Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $1,089,300 applies. Montgomery and Howard counties qualify for the maximum high-cost conforming limit. Other Maryland counties are at $726,200.
How much is the VA funding fee in Maryland?
For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Maryland's median home of $380,000, that's approximately $8,170. Veterans with service-connected disabilities pay no funding fee.
What are closing costs on a VA loan in Maryland?
VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $5,400 in Maryland. Maryland has some of the highest closing costs in the US. Transfer taxes are 0.5% at the state level plus local taxes (1.5% in Baltimore City). The state also imposes recordation taxes. Sellers can also contribute to closing costs.

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+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');};})();