頭金ゼロ（0% Down）・PMI保険料完全免除・2026年法定VA保証料（Funding Fee）に基づく軍人・退役軍人向け住宅ローン試算。
Saves +￥325 / month compared to an identical conventional mortgage due to $0 PMI and lower military interest rates.
\text{PMT} = \frac{(L_{\text{base}} + \text{Fee}) \times r (1+r)^n}{(1+r)^n - 1}Fixed-rate mortgage amortization incorporating the financed statutory VA funding fee (ranging from 0% for disabled veterans to 2.15% or 3.30% for zero down payments) into the principal balance.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.