PenFed Mortgage Calculator
Estimate your monthly payments for a PenFed home loan. Accurately calculate PITI and PMI for VA, FHA, and conventional mortgages.
Go to CalculatorCalculate Your Mortgage
Get accurate monthly payment estimates for your PenFed mortgage loan
Loan Details
Payment Breakdown
Total Monthly Payment
Loan Summary
Loan Amount: $400,000
Down Payment: 20.0%
Total Interest: $557,960
Loan-to-Value Ratio: 80.0%
Why Choose PenFed Mortgage Calculator for Your Home Loan Planning
The PenFed mortgage calculator is your trusted tool for accurately estimating monthly mortgage payments with Pentagon Federal Credit Union, one of America's largest credit unions. Whether you're a veteran, active military personnel, or civilian looking for competitive mortgage rates, our calculator provides precise estimates tailored to PenFed's unique lending programs and benefits.
What Makes PenFed Different from Other Mortgage Lenders
Military-Focused Benefits
- • VA loans with $0 down payment
- • No private mortgage insurance (PMI) on VA loans
- • Capped VA loan processing fee at $995
- • Military Choice loans for additional benefits
Competitive Rates & Fees
- • Competitive rates updated daily
- • Low origination fees (1% max $1,995)
- • Transparent fee structure
- • Member-exclusive benefits
PenFed Loan Programs Available in 2025
Conventional Loans
Fixed and adjustable rates, flexible terms
VA Loans
No down payment, no PMI for veterans
FHA Loans
3.5% down, flexible credit guidelines
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