Calculate your VA loan payment, funding fee, and see exactly how much you save vs a conventional loan. Serving Hill AFB, Clearfield, Clinton, Layton, and all of Northern Utah.
Estimated Monthly Payment
$3,132/mo
Principal + Interest only · No PMI · No monthly mortgage insurance
🎖️ Dr. Haws is a VA Loan Specialist
19+ years helping military families buy near Hill AFB. Free VA pre-approval consultation — no obligation.
Dr. Haws has closed VA transactions in all of these cities. Click any city for a full neighborhood guide.
Active Duty
90+ consecutive days of active service
Veterans
Honorably discharged after meeting service requirements
National Guard / Reserves
6+ years of service, or 90 days active duty
Surviving Spouses
Unremarried spouse of veteran who died in service or from service-connected disability
Certificate of Eligibility
Required — Dr. Haws can help you obtain your COE in 24 hours
Primary Residence Only
VA loans are for homes you intend to live in, not investment properties
This calculator is for educational purposes only. VA funding fee rates are based on 2024 VA.gov tables and may change. Monthly payment estimates do not include property taxes, homeowner's insurance, or HOA fees. Contact Dr. Haws for a personalized pre-approval analysis. Source: VA.gov Funding Fee Table.
Dr. Haws will review your VA eligibility, run the numbers on your target home, and connect you with a VA-specialized lender — all at no cost.
Utah's "Dr. of Real Estate" answers the questions buyers and sellers ask most.
For first-time VA loan use with no down payment, the funding fee is 2.15% of the loan amount for active duty/veterans, and 2.30% for Reserves/National Guard. Subsequent use is 3.30%. Veterans with a service-connected disability rating of 10% or more are exempt from the funding fee entirely.
Yes — both Clearfield and Clinton are popular VA loan markets because of their proximity to Hill Air Force Base. Dr. Haws specializes in VA transactions in both cities and can help you navigate the VA appraisal process, which is stricter than conventional.
Since 2020, there is no VA loan limit for veterans with full entitlement. You can borrow as much as a lender will approve with no down payment required. For veterans with reduced entitlement (e.g., an existing VA loan), county loan limits apply — Davis County is $766,550 in 2026.
No — VA loans require $0 down payment for eligible veterans with full entitlement. This is the single biggest advantage of the VA loan program and can save you $15,000–$30,000+ compared to a conventional loan on a typical Utah home.
VA loans are almost always better than FHA for eligible veterans: no down payment (vs 3.5% FHA), no monthly mortgage insurance (FHA charges 0.55%/yr), lower interest rates on average, and no loan limit with full entitlement. The only downside is the one-time funding fee — but it's often rolled into the loan.
The VA itself has no minimum credit score requirement, but most lenders require 580–620. Dr. Haws works with VA-specialized lenders who can often approve scores as low as 550 for strong borrowers. Call for a referral.
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