Virginia mortgage calculator

30-year fixed mortgage calculator with Virginia-specific defaults. Median home price $415,000 · property tax effective rate 0.80%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$83,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

Virginia

State pre-set for this page. Switch state

Property tax rate

~$277 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $138/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $415,000 home, 20% down, 6.875% APR, 30-year fixed in Virginia.

Where your payment goes

Principal & interest$2,181

Property tax$277

Homeowner insurance$145

PMI$138

Loan amount

$332,000

Total interest

$453,161

Total paid

$785,161

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How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$26,172	$3,455	$22,717	$22,717	$328,545
Y02Year 2	$26,172	$3,700	$22,472	$45,190	$324,846
Y03Year 3	$26,172	$3,962	$22,210	$67,400	$320,884
Y04Year 4	$26,172	$4,243	$21,929	$89,328	$316,640
Y05Year 5	$26,172	$4,544	$21,628	$110,956	$312,096
Y06Year 6	$26,172	$4,867	$21,305	$132,261	$307,229
Y07Year 7	$26,172	$5,212	$20,960	$153,221	$302,017
Y08Year 8	$26,172	$5,582	$20,590	$173,811	$296,434
Y09Year 9	$26,172	$5,978	$20,194	$194,005	$290,456
Y10Year 10	$26,172	$6,402	$19,770	$213,774	$284,054
Y11Year 11	$26,172	$6,857	$19,315	$233,090	$277,197
Y12Year 12	$26,172	$7,343	$18,829	$251,918	$269,854
Y13Year 13	$26,172	$7,864	$18,308	$270,226	$261,989
Y14Year 14	$26,172	$8,422	$17,750	$287,976	$253,567
Y15Year 15	$26,172	$9,020	$17,152	$305,128	$244,547
Y16Year 16	$26,172	$9,660	$16,512	$321,640	$234,887
Y17Year 17	$26,172	$10,346	$15,827	$337,466	$224,541
Y18Year 18	$26,172	$11,080	$15,092	$352,559	$213,462
Y19Year 19	$26,172	$11,866	$14,306	$366,865	$201,596
Y20Year 20	$26,172	$12,708	$13,464	$380,329	$188,888
Y21Year 21	$26,172	$13,610	$12,563	$392,892	$175,279
Y22Year 22	$26,172	$14,575	$11,597	$404,489	$160,704
Y23Year 23	$26,172	$15,609	$10,563	$415,051	$145,094
Y24Year 24	$26,172	$16,717	$9,455	$424,506	$128,377
Y25Year 25	$26,172	$17,903	$8,269	$432,775	$110,474
Y26Year 26	$26,172	$19,174	$6,998	$439,773	$91,300
Y27Year 27	$26,172	$20,534	$5,638	$445,411	$70,766
Y28Year 28	$26,172	$21,991	$4,181	$449,592	$48,775
Y29Year 29	$26,172	$23,552	$2,620	$452,212	$25,223
Y30Year 30	$26,172	$25,223	$949	$453,161	$0

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Virginia — related

Virginia income tax

Top marginal 5.75% · 4 brackets

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13