VA Interest Rate Comparison Tool | VA Loan Coach

Interest Rate Comparison Tool

Compare two rate scenarios side by side — monthly payment, total interest, cost or credit, and break-even period.

Loan Details

Loan Amount

$50,000$2,000,000

Loan Term

Monthly Housing Costs (shared between both scenarios)

Property Tax /mo

Home Insurance /mo

HOA /mo

Rate Option A

Interest Rate

1%15%

Price (Par = 100)

Cost

($2,000)

Results — Rate A

Monthly PITI

$2,928

P&I + Tax + Insurance + HOA

Monthly P&I$2,528

Property Tax$300

Home Insurance$100

HOA$0

Total PITI$2,928

Total Interest Paid$510,178

Cost / Credit of Rate($2,000)

Break-Even Period

3 years, 2 mo

You'll break even vs. Rate B in 3 years, 2 mo, after which Rate A saves $133/mo indefinitely.

Rate Option B

Interest Rate

1%15%

Price (Par = 100)

Credit

+$3,000

Results — Rate B

Monthly PITI

$3,061

P&I + Tax + Insurance + HOA

Monthly P&I$2,661

Property Tax$300

Home Insurance$100

HOA$0

Total PITI$3,061

Total Interest Paid$558,036

Cost / Credit of Rate+$3,000 (credit)

Break-Even Period

—

Have a Question About Your Scenario?

This tool is for illustrative and educational purposes only. Pricing, rates, and costs shown are estimates and do not constitute a loan offer or commitment. Actual pricing varies by lender, lock period, credit profile, and market conditions. Contact Bryce Pierce for an official rate quote.