VA IRRRL Payment Calculator

VA IRRRL Payment Calculator

What's My Payment?®
FHA, VA, USDA & Conventional Mortgage Payment Calculators
loading... VA IRRRL Payment
Principal & Interest
PMI not required on VA loans
Monthly Escrow
VA Mortgage Payment

Jump down to FHA rates

VA Loan Amount
type any amount (numbers only) or
New Term
Interest Rate

VA Funding Fee

VA Disability

Continue to Request an IRRRL Quote

Property Taxes
Enter annual taxes or
enter annual insurance premium

2017 VA IRRRL Payment Calculator

VA Base Loan Amount VA IRRRL Funding Fee VA Total Loan Amount
Related VA Posts:
I am ready to IRRRL my VA loan.

If your current mortgage is a VA loan, you may be eligible to lower your rate, lower your payment, or shorten your loan term with a streamlined VA loan refinance. AKA: VA IRRRL

In many cases lenders will not require an appraisal or income verification. This makes refinancing possible even if you owe more than your home is worth.

VA IRRRL Process

Each VA lender is different, but most will ask you to provide copies of the following:

  • Current Mortgage Statement
  • Homeowner's Insurance Declarations Page
  • Mortgage Note from Current VA Loan (found in the papers you received at closing)
  • HUD/Settlement Statement from Current VA Loan (found in the papers you received at closing)

The process is generally much easier than traditional refinances.

Request a VA IRRRL quote to see how much you can save.

What is a VA IRRRL?

VA IRRRL (Interest Rate Reduction Refinance Loan) is a streamlined VA refinance allowing those with VA loans to refinance to a new VA loan with better terms. In many cases no income verification and no appraisal are necessary.


VA IRRRL loans are available only to change the rate and/or term of your current VA loan. If you are looking to get cash back or if your current loan is something other than VA (FHA, USDA, conventional), then your new VA loan will be considered a cashout refinance.

Related Calculators

VA Mortgage Rates

When you calculate your new VA payment we will show you available VA mortgage rates. VA mortgage rates will update as your parameters change.

Enter a new loan amount to begin.
Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Click here for more information on rates and product details.