See exactly what your VA benefit is worth in dollars — including zero-down savings, lifetime PMI eliminated, and how it compares to conventional financing on the same home.
Most veterans know the VA loan requires no down payment. But the full dollar value of the benefit goes much deeper than that. When you add up the down payment you keep, the private mortgage insurance you never pay, and the rate advantage VA loans typically carry, the total benefit on an Arizona home purchase often exceeds $50,000–$80,000 over 10 years.
The calculator above shows you exactly what your VA benefit is worth based on the specific home you're buying — not a generic estimate.
The VA funding fee is a one-time cost charged at closing that helps sustain the VA loan program. It can be financed into the loan rather than paid out of pocket. The fee varies based on your service type, whether it's your first or subsequent VA loan use, and your down payment amount.
| Borrower Type | First Use (0% Down) | Subsequent Use (0% Down) | With 5%+ Down |
|---|---|---|---|
| Veteran / Active Duty | 2.15% | 3.30% | 1.50% |
| Reserves / National Guard | 2.40% | 3.30% | 1.75% |
| Disability Exempt (10%+) | WAIVED | WAIVED | WAIVED |
| Purple Heart Recipient | WAIVED | WAIVED | WAIVED |
| Surviving Spouse | WAIVED | WAIVED | WAIVED |
Arizona has one of the largest veteran populations in the country, with major installations at Luke Air Force Base, Davis-Monthan AFB, Fort Huachuca, and MCAS Yuma. Cities like Sierra Vista, Tucson, Goodyear, Chandler, and Surprise all have strong VA buyer activity and seller familiarity with VA transactions.
Phoenix-area sellers have become increasingly comfortable with VA offers — VA appraisals and closings move at roughly the same timeline as conventional, and the no-PMI structure means VA buyers often compete effectively on monthly payment even against conventional buyers with larger down payments.
Todd works with veterans across Arizona to maximize the VA loan benefit on every purchase. From Sierra Vista to Surprise, Tucson to Tempe — get pre-qualified and see exactly what you qualify for today.
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