Bases: Norfolk · Langley-Eustis · Pentagon · Oceana · $0 down VA · Virginia disabled-Veteran property tax exemption · Call Mike (480) 296-6513

Virginia VA Loan — BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers — including the Virginia summer utility reality national lenders skip.

By Mike Certo, NMLS #260555 — Updated June 2026

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Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

Estimated 2026 BAH: $2,430 / month (confirm your exact rate)

The Home

Virginia county (property tax)

Utility load (summer cooling)

Virginia summer A/C is real and changes what BAH covers — we build it into your number.

Assumed rate for the math (%)

Planning assumption only — enter any number. This is not a quote, an offer, or an advertised rate.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Master-planned communities typically $50-150/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by Virginia county. Utility estimates are Virginia-typical ranges (summer cooling + winter heating); your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026 — waived for 10%+ disability. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.