Buying
Qualifying
VA benefits
Want real numbers? Calculators use estimates. Applying takes about 10 minutes with a soft credit pull that won’t affect your score, and Shirley’s team will show you your actual payment, cash to close and what you qualify for.
VA calculator questions
Which VA loan calculator should I start with?
Start with the affordability calculator to see a price range, then the payment calculator for a specific home. If you’ve used your VA benefit before, check your remaining entitlement too.
Are these calculators accurate?
They use VA’s current funding fees, loan limits, residual income tables and compensation rates, but they’re estimates. Applying with a soft credit pull gives you your real numbers without affecting your score.
Is there a minimum credit score for a VA loan?
VA does not set one, and Shirley’s VA purchase and refinance loans have no minimum credit score. VA construction loans start at a 620 minimum, and VA renovation loans require a 600. Not ready yet? Shirley’s team offers a free credit plan.
