{{GOOGLE_VERIFICATION}} VA Loan Calculator for Ohio (OH) — Free Calculator | MortgageCalcTools

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VA Loan Calculator for Ohio

Free va loan calculator tailored for Ohio (OH). 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 Ohio

VA loans allow eligible veterans and active-duty service members to buy a home in Ohio with no down payment. On the median Ohio home of $225,000, that's the full $225,000 financed — no down payment required.

VA Loan Limits in Ohio

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Ohio is relevant only for veterans with reduced entitlement. All Ohio 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 $225,000 loan, the funding fee is approximately $4,838. Veterans with service-connected disabilities are exempt.

Property Taxes in Ohio

VA loans don't change your property tax obligation. Ohio's effective rate is 1.53%, adding ~$287/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 Ohio?

Yes. VA loans are available in all states including Ohio. Eligible veterans and service members can buy the median Ohio home ($225,000) with no down payment.

What is the VA loan limit in Ohio?

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

How much is the VA funding fee in Ohio?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Ohio's median home of $225,000, that's approximately $4,838. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Ohio?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $3,200 in Ohio. Ohio has a conveyance fee of $1/$1,000 of value at the state level, plus optional county charges. The mortgage recording fee and title insurance are the primary variables. Sellers can also contribute to closing costs.

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