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

Arizona VA Loan — BAH Calculator

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

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

2026 BAH: $2,289 / month

The Home

Arizona county (property tax)

Utility load (summer cooling)

National calculators skip this. AZ summer A/C is real and changes what BAH covers.

VA loan rate (%)

Mike updates this weekly — see today's actual on the homepage.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Surprise / Buckeye / Gilbert master-planned typically $80-180/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 AZ county. Utility estimates are AZ-typical ranges (APS/SRP/TEP summer cooling); 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.