{{GOOGLE_VERIFICATION}} VA Loan Calculator for Wisconsin (WI) — Free Calculator | MortgageCalcTools

MortgageCalcToolsby tuditools.com

VA Loan Calculator for Wisconsin

Free va loan calculator tailored for Wisconsin (WI). 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 Wisconsin

VA loans allow eligible veterans and active-duty service members to buy a home in Wisconsin with no down payment. On the median Wisconsin home of $260,000, that's the full $260,000 financed — no down payment required.

VA Loan Limits in Wisconsin

Veterans with full entitlement have no VA loan limit. The conforming limit of $726,200 in Wisconsin is relevant only for veterans with reduced entitlement. All Wisconsin 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 $260,000 loan, the funding fee is approximately $5,590. Veterans with service-connected disabilities are exempt.

Property Taxes in Wisconsin

VA loans don't change your property tax obligation. Wisconsin's effective rate is 1.51%, adding ~$327/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 Wisconsin?

Yes. VA loans are available in all states including Wisconsin. Eligible veterans and service members can buy the median Wisconsin home ($260,000) with no down payment.

What is the VA loan limit in Wisconsin?

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

How much is the VA funding fee in Wisconsin?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On Wisconsin's median home of $260,000, that's approximately $5,590. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in Wisconsin?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $2,800 in Wisconsin. Wisconsin has a very modest real estate transfer fee of $0.30/$100 of value. Overall closing costs are below national averages. 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');};})();