Bases: Luke · Davis-Monthan · Yuma · Fort Huachuca · $0 down VA · HB 2792 disabled-vet tax help · Call Mike (480) 296-6513

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VA Mortgage Payment Calculator (PITI)

Your full monthly payment is more than principal plus interest. AZ property tax varies a lot county to county. Plug in your numbers below.

Loan inputs

Purchase
VA loan rates move daily — Mike will give you a live quote when you talk to him.
Arizona property costs
Effective property tax rate as % of home value (2026).
AZ average ~$1,400-$1,800/yr. Mountain communities (Flagstaff, Payson) run higher due to wildfire risk.
VA funding fee

Your monthly payment

$0 PITI + HOA
Loan amount (after down, with funding fee)$0
Principal & interest$0
Property tax$0
Homeowners insurance$0
HOA$0
Total monthly$0
What's missing: This doesn't include AZ summer utilities (June-Sept can hit $300-450/mo on a Phoenix home). Or pool/landscape maintenance. Budget those separately so your real housing cost isn't a surprise in July.

Talk to an AZ VA loan specialist about your numbers

Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, NMLS #260555) reviews every result personally. No commitment, no pressure.

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Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.