🇺🇸 VA 贷款计算器（含资金费）VA Loan Calculator (with Funding Fee)
按美国退伍军人事务部（VA）现行资金费率表计算 VA 购房贷款的资金费（funding fee）、计入资金费后的贷款额和月供，可选首次或再次使用、首付比例和免缴资金费的情况，并可加上房产税、保险。Calculate a VA purchase loan's funding fee from the current VA fee table, the loan amount with the fee financed and the monthly payment — first or subsequent use, down payment, fee exemption — with optional property tax and insurance.
使用说明与常见问题How-to & FAQ
「VA 贷款计算器（含资金费）」是什么？What is the VA Loan Calculator (with Funding Fee) tool?
按美国退伍军人事务部（VA）现行资金费率表计算 VA 购房贷款的资金费（funding fee）、计入资金费后的贷款额和月供，可选首次或再次使用、首付比例和免缴资金费的情况，并可加上房产税、保险。Calculate a VA purchase loan's funding fee from the current VA fee table, the loan amount with the fee financed and the monthly payment — first or subsequent use, down payment, fee exemption — with optional property tax and insurance.
如何使用「VA 贷款计算器（含资金费）」？How do I use the VA Loan Calculator (with Funding Fee) tool?
在「VA 贷款计算器（含资金费）」中，填写「房价 $」、「首付 $」、「使用情况」、「资金费计入贷款」、「年利率 %（示例 6.25）」等参数，结果会随输入实时计算并显示在下方。In the VA Loan Calculator (with Funding Fee): Fill in "Home price $", "Down payment $", "Use", "Finance the funding fee", "Interest rate % (example 6.25)"; results are recalculated instantly as you type.
VA 资金费率是多少？What are the VA funding fee rates?
购房贷款：首次使用时首付不足 5% 为 2.15%，5% 及以上为 1.5%，10% 及以上为 1.25%；再次使用时首付不足 5% 为 3.3%，5% 以上与首次相同。来源：va.gov「VA funding fee and loan closing costs」，适用于 2023 年 4 月 7 日起的贷款。Purchase loans: first use 2.15% with under 5% down, 1.5% with 5% or more and 1.25% with 10% or more; subsequent use 3.3% with under 5% down and the same as first use above that. Source: va.gov, VA funding fee and loan closing costs, for loans from 7 April 2023.
谁可以免缴资金费？Who is exempt from the fee?
主要包括因服役相关伤残领取 VA 补偿的人、获紫心勋章的现役军人、符合条件的遗属等。具体以 VA 的资格证明（COE）为准。Mainly veterans receiving VA compensation for a service-connected disability, Purple Heart recipients on active duty and eligible surviving spouses. Your Certificate of Eligibility (COE) shows whether you are exempt.
VA 贷款需要首付和 PMI 吗？Does a VA loan need a down payment or PMI?
通常不需要首付，也没有私人抵押贷款保险（PMI），资金费在一定程度上替代了它。贷款机构可能有自己的额外要求。Usually no down payment and no private mortgage insurance; the funding fee partly takes its place. Lenders may add their own requirements.
计算结果可以作为最终依据吗？Can I rely on the result?
「VA 贷款计算器（含资金费）」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The VA Loan Calculator (with Funding Fee) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「VA 贷款计算器（含资金费）」免费吗？需要注册吗？Is the VA Loan Calculator (with Funding Fee) free? Do I need an account?
「VA 贷款计算器（含资金费）」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The VA Loan Calculator (with Funding Fee) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.