Calculator

VA Loan Assumption Calculator

See if taking over a seller's low-rate VA loan beats getting a new mortgage at today's rates.

Free basic calculator

Existing loan

The loan you'd assume

Existing loan balance

Existing interest rate

Remaining loan term

years

Current market interest rate

Purchase

Purchase price

Assumption gap / cash needed

Estimated assumption fees

Estimated closing costs

Results

Assumed loan monthly payment$1,401.80

Comparable new loan payment$2,623.08

Monthly savings$1,221.28

Interest rate difference3.25%

Total cash needed to assume$126,000.00

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Months until next PCS

Assumption recommendation

Moderate — run the numbers

Key VA assumption considerations

• Your VA entitlement stays tied to the loan unless the buyer is also VA-eligible and substitutes their entitlement.
• Until then, you may have reduced VA entitlement for future home purchases.
• Cash gaps over $50K can wipe out emergency reserves — plan carefully.

VA assumption analysis

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