VA Mortgage Command

0% PMI • VA Disability Exempt Default

1. VA Purchase & Loan Parameters

Monthly PMI: $0
$570,000
$
$
%
%
360 mos
VA Funding Fee Status Exempt: 0.00% ($0)
If Non-Exempt Fee Applies:

2. Taxes, Insurance, HOA & Living Reserves

$1,097.42/mo
Escrow
Monthly ($/mo)
Annual ($/yr)
% of Home Price
Escrow
Monthly ($/mo)
Annual ($/yr)
$
$
Monthly Reserve ($/mo)
Annual % of Home Value
Cash-to-Close
$

3. Biweekly & Extra Principal Engine

Baseline Schedule
+$
+$
One-Time Lump Sum Principal Injection e.g., Tax Refund / Equity Rollover
+$
at Year
1. Principal & Interest
$3,463.38
Financed: $570,000
2. PITI (Escrow Total)
$4,060.80
P&I + $597.42 Tax/Ins
3. Lender PITI + HOA
$4,060.80
Includes $0.00 HOA
4. All-In Living Cost Total/Mo
$4,560.80
+ $500.00 Util/Reserve
Monthly Cost Allocation Breakdown Total Cash to Close (Down + Closing + Upfront Fee): $0
P&I: $3,463.38 (76%)
Taxes: $222.42 (5%)
Insurance: $375.00 (8%)
HOA: $0.00 (0%)
Utilities: $250.00 (5%)
Reserve: $250.00 (5%)

Reverse Target Payment Solver ("Goal Seek")

Down Payment Calculator

Select which cost bucket you want to cap & enter your target monthly payment to solve for exact required down payment.

$
Fixed Non-P&I Costs in Selected Bucket: -$597.42/mo
Remaining Available Budget for P&I: $2,902.58/mo
Exact Required Down Payment Down Payment Solved
$92,296
16.19% of $570,000 Home Price
Max Affordable Loan: $477,704
Delta vs Current Down: +$92,296
0%-Down Max Home Price: $477,704
0%-Down Required Rate: 4.543%

Amortization & Prepayment Impact Analysis

Traditional Monthly • +$0/mo
Total Lifetime Interest
$676,817
Baseline: $676,817
Total Interest Saved
$0
Interest Reduction: 0.0%
Payoff Acceleration
0 yrs, 0 mos
Payoff Term: 30.0 yrs (Nov 2056)
Loan Balance & Cumulative Interest Trajectory (Baseline vs. Accelerated) Interactive Hover

Amortization Schedule

Period Payment (P&I) Principal Extra Prin. Interest Cum. Interest Ending Balance
Year 1 $41,560.56 $6,837.90 — $34,722.66 $34,723 $563,162.10
Year 2 $41,560.56 $7,268.68 — $34,291.88 $69,015 $555,893.41
Year 3 $41,560.56 $7,726.61 — $33,833.96 $102,848 $548,166.81
Year 4 $41,560.56 $8,213.37 — $33,347.19 $136,196 $539,953.43
Year 5 $41,560.56 $8,730.81 — $32,829.75 $169,025 $531,222.62
Year 6 $41,560.56 $9,280.84 — $32,279.72 $201,305 $521,941.78
Year 7 $41,560.56 $9,865.53 — $31,695.03 $233,000 $512,076.26
Year 8 $41,560.56 $10,487.04 — $31,073.52 $264,074 $501,589.21
Year 9 $41,560.56 $11,147.72 — $30,412.84 $294,487 $490,441.49
Year 10 $41,560.56 $11,850.01 — $29,710.55 $324,197 $478,591.48
Year 11 $41,560.56 $12,596.55 — $28,964.01 $353,161 $465,994.92
Year 12 $41,560.56 $13,390.13 — $28,170.44 $381,332 $452,604.80
Year 13 $41,560.56 $14,233.69 — $27,326.87 $408,658 $438,371.11
Year 14 $41,560.56 $15,130.40 — $26,430.16 $435,089 $423,240.71
Year 15 $41,560.56 $16,083.60 — $25,476.96 $460,566 $407,157.11
Year 16 $41,560.56 $17,096.85 — $24,463.71 $485,029 $390,060.25
Year 17 $41,560.56 $18,173.94 — $23,386.62 $508,416 $371,886.31
Year 18 $41,560.56 $19,318.88 — $22,241.68 $530,658 $352,567.44
Year 19 $41,560.56 $20,535.95 — $21,024.61 $551,682 $332,031.48
Year 20 $41,560.56 $21,829.70 — $19,730.86 $571,413 $310,201.79
Year 21 $41,560.56 $23,204.95 — $18,355.61 $589,769 $286,996.84
Year 22 $41,560.56 $24,666.84 — $16,893.72 $606,662 $262,330.01
Year 23 $41,560.56 $26,220.82 — $15,339.74 $622,002 $236,109.18
Year 24 $41,560.56 $27,872.71 — $13,687.85 $635,690 $208,236.47
Year 25 $41,560.56 $29,628.67 — $11,931.90 $647,622 $178,607.81
Year 26 $41,560.56 $31,495.24 — $10,065.32 $657,687 $147,112.56
Year 27 $41,560.56 $33,479.41 — $8,081.15 $665,768 $113,633.15
Year 28 $41,560.56 $35,588.59 — $5,971.97 $671,740 $78,044.56
Year 29 $41,560.56 $37,830.63 — $3,729.93 $675,470 $40,213.93
Year 30 $41,560.56 $40,213.93 — $1,346.63 $676,817 $0.00

Download Static Web Server PWA Files

Click the buttons below to save index.html, manifest.json, and sw.js directly to your computer for hosting on Nginx, Apache, Caddy, or any local folder.

manifest.json 
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  "display": "standalone",
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  "theme_color": "#0f172a",
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      "sizes": "512x512",
      "type": "image/svg+xml",
      "purpose": "any maskable"
    }
  ]
}
sw.js (Offline Cache-First Service Worker) 
const CACHE_NAME = 'va-mortgage-pwa-v2';
const ASSETS = [
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  './index.html',
  './manifest.json',
  'https://cdn.tailwindcss.com',
  'https://cdn.jsdelivr.net/npm/chart.js@4.4.1/dist/chart.umd.min.js'
];

self.addEventListener('install', (event) => {
  event.waitUntil(
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  self.skipWaiting();
});

self.addEventListener('activate', (event) => {
  event.waitUntil(
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  self.clients.claim();
});

self.addEventListener('fetch', (event) => {
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});