Va Loan Calculator Google

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VA Loan Calculator – Google Search Friendly :root { –primary-color: #004a99; –background-color: #f8f9fa; –card-background: #ffffff; –text-color: #333; –border-color: #ddd; –shadow-color: rgba(0, 0, 0, 0.1); } body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; background-color: var(–background-color); color: var(–text-color); margin: 0; padding: 0; line-height: 1.6; } .container { max-width: 960px; margin: 20px auto; padding: 20px; background-color: var(–card-background); border-radius: 8px; box-shadow: 0 2px 10px var(–shadow-color); } h1, h2, h3 { color: var(–primary-color); text-align: center; margin-bottom: 20px; } h1 { font-size: 2.2em; } h2 { font-size: 1.8em; margin-top: 30px; border-bottom: 2px solid var(–primary-color); padding-bottom: 5px; } h3 { font-size: 1.4em; margin-top: 20px; } .loan-calc-container { background-color: var(–card-background); padding: 25px; border-radius: 8px; box-shadow: 0 2px 8px var(–shadow-color); margin-bottom: 30px; } .input-group { margin-bottom: 20px; display: flex; flex-direction: column; } .input-group label { display: block; margin-bottom: 8px; font-weight: bold; color: var(–primary-color); } .input-group input[type="number"], .input-group input[type="text"], .input-group select { width: 100%; padding: 10px; border: 1px solid var(–border-color); border-radius: 4px; box-sizing: border-box; font-size: 1em; } .input-group input[type="number"]:focus, .input-group input[type="text"]:focus, .input-group select:focus { border-color: var(–primary-color); outline: none; box-shadow: 0 0 0 2px rgba(0, 74, 153, 0.2); } .input-group .helper-text { font-size: 0.85em; color: #666; margin-top: 5px; } .error-message { color: #dc3545; font-size: 0.85em; margin-top: 5px; display: none; /* Hidden by default */ } .button-group { display: flex; justify-content: space-between; margin-top: 25px; flex-wrap: wrap; gap: 10px; } button { padding: 12px 20px; background-color: var(–primary-color); color: white; border: none; border-radius: 4px; cursor: pointer; font-size: 1em; transition: background-color 0.3s ease; flex: 1; /* Distribute space */ min-width: 150px; /* Prevent excessive shrinking */ } button:hover { background-color: #003366; } button.reset-button { background-color: #6c757d; } button.reset-button:hover { background-color: #5a6268; } .results-container { margin-top: 30px; padding: 20px; background-color: #e7f3ff; /* Light blue background for emphasis */ border: 1px solid var(–primary-color); border-radius: 8px; text-align: center; } .results-container h3 { margin-top: 0; color: var(–primary-color); } .main-result { font-size: 2.5em; font-weight: bold; color: var(–primary-color); margin: 10px 0; } .intermediate-values { display: flex; justify-content: space-around; flex-wrap: wrap; margin-top: 15px; gap: 15px; } .intermediate-values div { text-align: center; } .intermediate-values span { display: block; font-size: 1.2em; font-weight: bold; color: var(–primary-color); } .intermediate-values p { margin: 5px 0 0 0; font-size: 0.9em; color: #555; } .formula-explanation { font-size: 0.9em; color: #555; margin-top: 15px; padding-top: 10px; border-top: 1px dashed var(–border-color); } table { width: 100%; border-collapse: collapse; margin-top: 20px; box-shadow: 0 2px 8px var(–shadow-color); } th, td { padding: 12px 15px; text-align: left; border-bottom: 1px solid var(–border-color); } thead { background-color: var(–primary-color); color: white; } tbody tr:nth-child(even) { background-color: #f2f8ff; } tbody tr:hover { background-color: #e0eaf2; } .table-caption { font-size: 0.9em; color: #555; margin-top: 10px; text-align: center; } .chart-container { margin-top: 30px; padding: 20px; background-color: var(–card-background); border-radius: 8px; box-shadow: 0 2px 8px var(–shadow-color); text-align: center; } canvas { max-width: 100%; height: auto; } .chart-caption { font-size: 0.9em; color: #555; margin-top: 10px; } .article-section { margin-top: 40px; padding: 25px; background-color: var(–card-background); border-radius: 8px; box-shadow: 0 2px 8px var(–shadow-color); } .article-section p { margin-bottom: 15px; } .article-section ul { list-style-type: disc; margin-left: 20px; padding-left: 0; } .article-section li { margin-bottom: 8px; } .internal-link { color: var(–primary-color); text-decoration: none; font-weight: bold; } .internal-link:hover { text-decoration: underline; } .mobile-scroll-table { overflow-x: auto; } @media (max-width: 768px) { .container { margin: 10px; padding: 15px; } h1 { font-size: 1.8em; } h2 { font-size: 1.5em; } button { flex-basis: 100%; /* Stack buttons on small screens */ } .intermediate-values { flex-direction: column; align-items: center; } }

VA Loan Calculator

Estimate your VA home loan payments and understand key costs.

VA Loan Calculator

15 Years 20 Years 25 Years 30 Years
Typically 2.15% for first-time use with no down payment. Varies based on service, down payment, and prior use.
Estimated annual cost.
Estimated annual cost.
Enter HOA fees if applicable, otherwise leave as 0.

Estimated Monthly Payment Breakdown

Principal & Interest

Principal & Interest

Taxes

Insurance

PMI/HOA

Total Funding Fee

Formula Used: Monthly P&I is calculated using the standard mortgage payment formula. Total monthly payment includes P&I, monthly property taxes, monthly homeowner's insurance, monthly PMI/HOA fees, and the amortized VA Funding Fee.
Amortization Schedule
Month Payment Principal Interest Remaining Balance
Loan Balance Over Time

Understanding the VA Loan Calculator

What is a VA Loan Calculator?

A VA Loan Calculator is a specialized online tool designed to help veterans, active-duty military personnel, and eligible surviving spouses estimate the potential monthly payments and associated costs of obtaining a home loan guaranteed by the U.S. Department of Veterans Affairs (VA). Unlike conventional mortgages, VA loans offer significant benefits, including no down payment requirement for most eligible borrowers and no private mortgage insurance (PMI). This calculator helps demystify the financial aspects, allowing users to input key variables like loan amount, interest rate, loan term, and the VA funding fee to see projected figures.

Using a VA loan calculator is a crucial first step in the home-buying process for military-affiliated individuals. It provides a clear picture of affordability and helps in budgeting for a new home. By inputting different scenarios, potential borrowers can compare various loan options and understand how changes in interest rates or loan terms might impact their monthly obligations. This tool is particularly valuable because VA loans have unique features, such as the funding fee, which is a one-time charge that can be financed into the loan, and this calculator helps account for that cost.

The goal of this VA loan calculator is to provide transparency and empower users with financial insights. It aims to simplify complex mortgage calculations into easily digestible numbers, making the path to homeownership smoother. For those exploring their VA loan benefits, this tool serves as an essential resource, bridging the gap between eligibility and the reality of monthly housing costs. It's a practical application of the VA's commitment to supporting its service members and veterans in achieving their homeownership dreams.

VA Loan Calculator Formula and Mathematical Explanation

The core of the VA loan calculator involves several key calculations. The primary component is determining the monthly Principal and Interest (P&I) payment. This is calculated using the standard mortgage payment formula:

M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

Where:

  • M = Monthly Payment (P&I)
  • P = Principal Loan Amount
  • i = Monthly Interest Rate (Annual Rate / 12)
  • n = Total Number of Payments (Loan Term in Years * 12)

In addition to P&I, the VA loan calculator must account for other essential monthly costs that are often included in the total mortgage payment (escrow):

  • Monthly Property Taxes: Calculated as (Annual Property Tax / 12).
  • Monthly Homeowner's Insurance: Calculated as (Annual Home Insurance / 12).
  • Monthly PMI/HOA Fees: If applicable (e.g., HOA dues), this is typically a fixed monthly amount. VA loans do not require PMI, but HOA fees are common in some properties.
  • VA Funding Fee: This is a one-time fee, but it can be financed into the loan. To estimate its impact on the total loan amount, it's often amortized over the loan term. The calculator adds the total funding fee to the principal loan amount before calculating P&I, or it can be presented as a separate upfront cost. For simplicity in monthly payment estimation, the calculator might add the total funding fee to the initial loan amount. The total funding fee is calculated as: (Loan Amount * VA Funding Fee Percentage).

The total estimated monthly payment is the sum of these components: Total Monthly Payment = M + Monthly Taxes + Monthly Insurance + Monthly PMI/HOA + (Amortized Funding Fee if financed). Our calculator provides a detailed breakdown, showing the P&I portion separately and then adding the other costs for a comprehensive view. Understanding these components is vital for accurate budgeting when using your VA home loan benefits.

Practical Examples (Real-World Use Cases)

Let's illustrate how the VA loan calculator works with a couple of realistic scenarios:

Scenario 1: First-Time Homebuyer

A veteran is purchasing their first home. They are eligible for a VA loan with no down payment.

  • Loan Amount: $350,000
  • Interest Rate: 3.75%
  • Loan Term: 30 Years
  • VA Funding Fee: 2.15% (first-time use, no down payment)
  • Annual Property Tax: $4,200 ($350/month)
  • Annual Home Insurance: $1,500 ($125/month)
  • HOA Fees: $0
The calculator would estimate the monthly P&I, add the monthly taxes and insurance, and factor in the VA funding fee. The total monthly payment would provide a clear estimate for their budget.

Scenario 2: Refinancing or Second Use

A service member is using their VA loan benefit again or considering a refinance. They might have a slightly different funding fee percentage.

  • Loan Amount: $450,000
  • Interest Rate: 4.00%
  • Loan Term: 30 Years
  • VA Funding Fee: 3.3% (subsequent use, no down payment)
  • Annual Property Tax: $5,400 ($450/month)
  • Annual Home Insurance: $1,800 ($150/month)
  • HOA Fees: $100/month
This scenario shows how a higher funding fee and HOA dues impact the total monthly cost. The calculator helps compare this to other financing options, highlighting the value of the VA loan program.

These examples demonstrate the calculator's utility in providing personalized estimates for various situations, aiding informed decision-making for military borrowers exploring VA mortgage options.

How to Use This VA Loan Calculator

Using this VA Loan Calculator is straightforward and designed for ease of use. Follow these simple steps:

  1. Enter Loan Amount: Input the total amount you intend to borrow for your home purchase.
  2. Input Interest Rate: Enter the current annual interest rate offered for your VA loan.
  3. Select Loan Term: Choose the duration of your loan in years from the dropdown menu (e.g., 15, 20, 25, or 30 years).
  4. Specify VA Funding Fee: Enter the applicable VA Funding Fee percentage. This varies based on your service status, whether it's your first time using the benefit, and if you're making a down payment. Consult your lender or the VA for the exact percentage. A common rate for first-time users with no down payment is 2.15%.
  5. Add Annual Property Tax: Input the estimated annual cost of property taxes for the home you're considering.
  6. Add Annual Home Insurance: Enter the estimated annual cost for homeowner's insurance.
  7. Include PMI/HOA Fees: VA loans do not require PMI. However, if the property has Homeowners Association (HOA) fees, enter the monthly amount here. If there are no HOA fees, enter 0.
  8. Click 'Calculate': Once all fields are populated, click the 'Calculate' button.

The calculator will instantly display your estimated total monthly payment, broken down into Principal & Interest (P&I), property taxes, homeowner's insurance, and any applicable HOA fees. It will also show the total VA funding fee. You can then use the 'Reset' button to clear the fields and try different scenarios or the 'Copy Results' button to save your estimates.

Key Factors That Affect VA Loan Calculator Results

Several variables significantly influence the outcomes generated by a VA loan calculator. Understanding these factors is key to interpreting the results accurately:

  • Loan Amount: This is the most direct factor. A larger loan amount will naturally result in higher monthly payments for both principal and interest, as well as potentially higher taxes and insurance costs.
  • Interest Rate: Even small changes in the interest rate can have a substantial impact on the monthly P&I payment over the life of a 30-year loan. Higher rates mean higher interest paid and a larger monthly payment. This is why securing a competitive rate is crucial when exploring VA loan rates.
  • Loan Term: A longer loan term (e.g., 30 years vs. 15 years) will result in lower monthly payments but will also mean paying more interest over the entire duration of the loan. Conversely, a shorter term means higher monthly payments but less total interest paid.
  • VA Funding Fee: The percentage of the VA funding fee directly affects the total amount financed and thus the monthly P&I payment. Different categories of veterans and service members have different fee percentages, and using the benefit multiple times or making a down payment can alter this rate.
  • Property Taxes: These vary significantly by location (state, county, city). Higher annual property taxes will directly increase the monthly escrow payment.
  • Homeowner's Insurance: Costs depend on the property's location, value, and coverage levels. Higher insurance premiums increase the monthly escrow payment.
  • HOA Fees: If the property is part of a Homeowners Association, these monthly or annual fees are added to the total housing cost.
  • Down Payment (if applicable): While VA loans often require no down payment, if a borrower chooses to make one, it reduces the principal loan amount, thereby lowering the monthly P&I payment and potentially the VA funding fee.

By adjusting these inputs, users can simulate different financial situations and gain a comprehensive understanding of their potential VA loan obligations.

Frequently Asked Questions (FAQ)

Q1: Do VA loans require a down payment?
A: For most eligible veterans and service members, VA loans do not require a down payment, regardless of the loan amount (as long as it's within the VA loan limits for your area or you have full entitlement). This is one of the most significant benefits.

Q2: What is the VA Funding Fee?
A: The VA Funding Fee is a one-time charge paid to the VA to help keep down the cost of the VA loan program for taxpayers. The fee amount varies based on the type of service, whether it's your first time using the benefit, and if you make a down payment. It can be financed into the loan.

Q3: Do VA loans require PMI?
A: No, VA loans do not require Private Mortgage Insurance (PMI). This is a major cost saving compared to conventional loans, especially for borrowers making a low or zero down payment.

Q4: How is the VA Funding Fee calculated?
A: The VA Funding Fee is calculated as a percentage of the loan amount. For example, for regular military borrowers using the benefit for the first time with no down payment, the fee is typically 2.15% of the loan amount (as of recent guidelines, subject to change). This percentage can be higher for subsequent uses or with a down payment.

Q5: Can I use the VA loan calculator for refinancing?
A: Yes, while primarily designed for purchase loans, the calculator can provide estimates for VA refinance loans (like the Interest Rate Reduction Refinance Loan – IRRRL) if you adjust the loan amount and interest rate inputs accordingly. However, specific refinance calculations might differ.

Q6: What is included in the monthly VA loan payment?
A: The total monthly payment typically includes Principal & Interest (P&I), monthly property taxes, monthly homeowner's insurance, and any applicable HOA fees. The VA funding fee is usually financed upfront, increasing the loan principal.

Related Tools and Internal Resources

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This calculator provides estimates for informational purposes only and does not constitute financial advice. Consult with a qualified lender for accurate loan terms.

var loanAmountInput = document.getElementById('loanAmount'); var interestRateInput = document.getElementById('interestRate'); var loanTermSelect = document.getElementById('loanTerm'); var vaFundingFeeInput = document.getElementById('vaFundingFee'); var propertyTaxInput = document.getElementById('propertyTax'); var homeInsuranceInput = document.getElementById('homeInsurance'); var pmiInput = document.getElementById('pmi'); var loanAmountError = document.getElementById('loanAmountError'); var interestRateError = document.getElementById('interestRateError'); var loanTermError = document.getElementById('loanTermError'); var vaFundingFeeError = document.getElementById('vaFundingFeeError'); var propertyTaxError = document.getElementById('propertyTaxError'); var homeInsuranceError = document.getElementById('homeInsuranceError'); var pmiError = document.getElementById('pmiError'); var resultsContainer = document.getElementById('results-container'); var monthlyPaymentDisplay = document.getElementById('monthlyPayment'); var principalInterestDisplay = document.getElementById('principalInterest'); var monthlyTaxesDisplay = document.getElementById('monthlyTaxes'); var monthlyInsuranceDisplay = document.getElementById('monthlyInsurance'); var totalFundingFeeDisplay = document.getElementById('totalFundingFee'); var amortizationTableBody = document.getElementById('amortizationTableBody'); var loanChart; var chartContext; function formatCurrency(amount) { return "$" + amount.toFixed(2).replace(/\d(?=(\d{3})+\.)/g, '$&,'); } function formatPercent(amount) { return amount.toFixed(2) + "%"; } function validateInput(inputElement, errorElement, minValue, maxValue, fieldName) { var value = parseFloat(inputElement.value); var isValid = true; errorElement.style.display = 'none'; errorElement.textContent = "; if (isNaN(value)) { errorElement.textContent = fieldName + ' is required.'; errorElement.style.display = 'block'; isValid = false; } else if (value maxValue) { errorElement.textContent = fieldName + ' is too high.'; errorElement.style.display = 'block'; isValid = false; } return isValid; } function calculateLoan() { var isValid = true; isValid &= validateInput(loanAmountInput, loanAmountError, 0, undefined, 'Loan Amount'); isValid &= validateInput(interestRateInput, interestRateError, 0, 100, 'Interest Rate'); isValid &= validateInput(vaFundingFeeInput, vaFundingFeeError, 0, 100, 'VA Funding Fee'); isValid &= validateInput(propertyTaxInput, propertyTaxError, 0, undefined, 'Annual Property Tax'); isValid &= validateInput(homeInsuranceInput, homeInsuranceError, 0, undefined, 'Annual Home Insurance'); isValid &= validateInput(pmiInput, pmiError, 0, undefined, 'PMI/HOA'); if (!isValid) { resultsContainer.style.display = 'none'; return; } var loanAmount = parseFloat(loanAmountInput.value); var annualInterestRate = parseFloat(interestRateInput.value) / 100; var loanTermYears = parseInt(loanTermSelect.value); var vaFundingFeePercent = parseFloat(vaFundingFeeInput.value) / 100; var annualPropertyTax = parseFloat(propertyTaxInput.value); var annualHomeInsurance = parseFloat(homeInsuranceInput.value); var monthlyPmiOrHoa = parseFloat(pmiInput.value); var monthlyInterestRate = annualInterestRate / 12; var numberOfPayments = loanTermYears * 12; var fundingFeeAmount = loanAmount * vaFundingFeePercent; var totalLoanAmount = loanAmount + fundingFeeAmount; // Include funding fee in total loan for P&I calculation var principalInterest = 0; if (monthlyInterestRate > 0) { principalInterest = totalLoanAmount * (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, numberOfPayments)) / (Math.pow(1 + monthlyInterestRate, numberOfPayments) – 1); } else { principalInterest = totalLoanAmount / numberOfPayments; // Handle 0% interest } var monthlyTaxes = annualPropertyTax / 12; var monthlyInsurance = annualHomeInsurance / 12; var totalMonthlyPayment = principalInterest + monthlyTaxes + monthlyInsurance + monthlyPmiOrHoa; principalInterestDisplay.textContent = formatCurrency(principalInterest); monthlyTaxesDisplay.textContent = formatCurrency(monthlyTaxes); monthlyInsuranceDisplay.textContent = formatCurrency(monthlyInsurance); monthlyPmiOrHoa.textContent = formatCurrency(monthlyPmiOrHoa); totalFundingFeeDisplay.textContent = formatCurrency(fundingFeeAmount); monthlyPaymentDisplay.textContent = formatCurrency(totalMonthlyPayment); resultsContainer.style.display = 'block'; generateAmortizationTable(totalLoanAmount, monthlyInterestRate, numberOfPayments, principalInterest, monthlyTaxes, monthlyInsurance, monthlyPmiOrHoa); updateChart(totalLoanAmount, principalInterest, numberOfPayments); } function generateAmortizationTable(principal, monthlyRate, term, pmt, taxes, insurance, pmiOrHoa) { amortizationTableBody.innerHTML = "; // Clear previous table data var remainingBalance = principal; var data = []; for (var i = 1; i <= term; i++) { var interestPayment = remainingBalance * monthlyRate; var principalPayment = pmt – interestPayment; remainingBalance -= principalPayment; if (remainingBalance < 0) remainingBalance = 0; // Prevent negative balance due to rounding data.push({ month: i, payment: pmt + taxes + insurance + pmiOrHoa, // Total payment including escrow principal: principalPayment, interest: interestPayment, balance: remainingBalance }); var row = amortizationTableBody.insertRow(); row.insertCell(0).textContent = i; row.insertCell(1).textContent = formatCurrency(pmt + taxes + insurance + pmiOrHoa); row.insertCell(2).textContent = formatCurrency(principalPayment); row.insertCell(3).textContent = formatCurrency(interestPayment); row.insertCell(4).textContent = formatCurrency(remainingBalance); } } function updateChart(initialBalance, monthlyPI, term) { var canvas = document.getElementById('loanChart'); if (!canvas) return; if (loanChart) { loanChart.destroy(); // Destroy previous chart instance } chartContext = canvas.getContext('2d'); var labels = []; var balanceData = []; var principalPaidData = []; var currentBalance = initialBalance; var principalPaidTotal = 0; var monthlyInterestRate = parseFloat(interestRateInput.value) / 100 / 12; for (var i = 0; i <= term; i++) { labels.push(i === 0 ? 'Start' : i.toString()); balanceData.push(currentBalance); principalPaidData.push(principalPaidTotal); if (i < term) { var interestPayment = currentBalance * monthlyInterestRate; var principalPayment = monthlyPI – interestPayment; currentBalance -= principalPayment; principalPaidTotal += principalPayment; if (currentBalance < 0) currentBalance = 0; } } loanChart = new Chart(chartContext, { type: 'line', data: { labels: labels, datasets: [{ label: 'Remaining Balance', data: balanceData, borderColor: 'rgb(0, 74, 153)', backgroundColor: 'rgba(0, 74, 153, 0.1)', fill: false, tension: 0.1 }, { label: 'Principal Paid', data: principalPaidData, borderColor: 'rgb(255, 165, 0)', // Orange for contrast backgroundColor: 'rgba(255, 165, 0, 0.1)', fill: false, tension: 0.1 }] }, options: { responsive: true, maintainAspectRatio: false, scales: { y: { beginAtZero: true, ticks: { callback: function(value) { return formatCurrency(value); } } } }, plugins: { tooltip: { callbacks: { label: function(context) { var label = context.dataset.label || ''; if (label) { label += ': '; } if (context.parsed.y !== null) { label += formatCurrency(context.parsed.y); } return label; } } } } } }); } function resetForm() { loanAmountInput.value = ''; interestRateInput.value = ''; loanTermSelect.value = '30'; vaFundingFeeInput.value = ''; propertyTaxInput.value = ''; homeInsuranceInput.value = ''; pmiInput.value = '0'; loanAmountError.style.display = 'none'; interestRateError.style.display = 'none'; loanTermError.style.display = 'none'; vaFundingFeeError.style.display = 'none'; propertyTaxError.style.display = 'none'; homeInsuranceError.style.display = 'none'; pmiError.style.display = 'none'; resultsContainer.style.display = 'none'; amortizationTableBody.innerHTML = ''; if (loanChart) { loanChart.destroy(); loanChart = null; } } function copyResults() { var loanAmount = loanAmountInput.value; var interestRate = interestRateInput.value; var loanTerm = loanTermSelect.options[loanTermSelect.selectedIndex].text; var vaFundingFee = vaFundingFeeInput.value; var propertyTax = propertyTaxInput.value; var homeInsurance = homeInsuranceInput.value; var pmiOrHoa = pmiInput.value; var monthlyPayment = monthlyPaymentDisplay.textContent; var principalInterest = principalInterestDisplay.textContent; var monthlyTaxes = monthlyTaxesDisplay.textContent; var monthlyInsurance = monthlyInsuranceDisplay.textContent; var totalFundingFee = totalFundingFeeDisplay.textContent; var resultsText = "— VA Loan Calculation Results —\n\n"; resultsText += "Inputs:\n"; resultsText += "Loan Amount: " + formatCurrency(parseFloat(loanAmount)) + "\n"; resultsText += "Interest Rate: " + interestRate + "%\n"; resultsText += "Loan Term: " + loanTerm + "\n"; resultsText += "VA Funding Fee: " + vaFundingFee + "%\n"; resultsText += "Annual Property Tax: " + formatCurrency(parseFloat(propertyTax)) + "\n"; resultsText += "Annual Home Insurance: " + formatCurrency(parseFloat(homeInsurance)) + "\n"; resultsText += "Monthly PMI/HOA: " + formatCurrency(parseFloat(pmiOrHoa)) + "\n\n"; resultsText += "Estimated Monthly Payment Breakdown:\n"; resultsText += "Total Monthly Payment: " + monthlyPayment + "\n"; resultsText += " Principal & Interest: " + principalInterest + "\n"; resultsText += " Property Taxes: " + monthlyTaxes + "\n"; resultsText += " Home Insurance: " + monthlyInsurance + "\n"; resultsText += " PMI/HOA Fees: " + formatCurrency(parseFloat(pmiOrHoa)) + "\n"; resultsText += "Total VA Funding Fee (financed): " + totalFundingFee + "\n"; resultsText += "\nKey Assumptions:\n"; resultsText += "- VA Funding Fee applied as entered.\n"; resultsText += "- Property taxes and insurance are estimates.\n"; resultsText += "- No PMI required by VA, only HOA fees if applicable.\n"; navigator.clipboard.writeText(resultsText).then(function() { alert('Results copied to clipboard!'); }).catch(function(err) { console.error('Failed to copy results: ', err); alert('Failed to copy results. Please copy manually.'); }); } // Initial setup for chart context var canvas = document.getElementById('loanChart'); if (canvas) { chartContext = canvas.getContext('2d'); } // Add event listeners for real-time updates loanAmountInput.addEventListener('input', calculateLoan); interestRateInput.addEventListener('input', calculateLoan); loanTermSelect.addEventListener('change', calculateLoan); vaFundingFeeInput.addEventListener('input', calculateLoan); propertyTaxInput.addEventListener('input', calculateLoan); homeInsuranceInput.addEventListener('input', calculateLoan); pmiInput.addEventListener('input', calculateLoan); // Initial calculation on load if fields have default values (optional) // calculateLoan();

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