Bases: Mountain Home AFB · Gowen Field · $0 down VA · Idaho disabled-Veteran property tax reduction · Call Mike (480) 296-6513

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Max $0-Down VA Purchase Price (Idaho)

Plug in your monthly income + other debts + the county you're buying in. We'll back-solve to the highest home price that fits VA's DTI guideline.

By Mike Certo, NMLS #260555:

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

Your income + debts

Income (gross, before tax)
W-2 salary + base pay. Active-duty: base pay only (BAH goes in next field).
Need the number? Look up your 2026 Boise or Mountain Home AFB BAH.
Grossed up 25% by most VA lenders.
Other debts
Car loans, student loans, credit card minimums, child support, alimony.
Loan parameters

Your max purchase

$0 Maximum home price at VA's 41% DTI guideline
Total qualifying income$0
Other monthly debts$0
Max PITI at 41% DTI$0
Implied max home price$0
Monthly PI at max$0
Monthly tax + insurance estimate$0
What this doesn't include: VA also runs a residual income test (separate calculator). And lender overlays sometimes cap DTI at 41-50%. This is a starting point, not an approval.

Talk to an ID 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.