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VA Mortgage Payment Calculator (PITI)

Program figures verified July 2026. Details change; confirm your scenario with us.

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

By Mike Certo, NMLS #260555,

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Loan inputs

Purchase
VA loan rates move daily. Mike will give you a live quote when you talk to him.
Oregon property costs
Effective property tax rate as % of home value (2026).
OR average ~$1,000-$1,500/yr. Wildfire-exposed areas (Bend, Medford, the Cascade foothills) run higher, and earthquake coverage is a separate policy.
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 utilities (winter heating in the Willamette Valley, or wood/pellet heat in Bend and the high country, can run $150-300/mo). Or landscape upkeep and earthquake insurance. Budget those separately so your real housing cost is clear up front.

Common questions

What is included in a VA loan PITI payment?

PITI is principal, interest, property taxes, and homeowners insurance, plus any HOA dues. A VA loan adds no monthly mortgage insurance, unlike conventional under 20% down or FHA, which carries monthly MIP.

How much is property tax in Oregon?

Oregon county effective property-tax rates generally run 0.70% to 0.95%. Deschutes County (Bend) sits near 0.70% and Multnomah County (Portland) near 0.95%, so the tax portion of PITI varies by county.

Talk to an OR VA loan specialist about your numbers

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

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.

Authoritative source: the VA home loan overview.