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

Idaho VA Loan — BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers — including the Idaho winter-heating reality national lenders skip.

By Mike Certo, NMLS #260555 — Updated June 2026

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

2026 BAH: $1,674 / month

The Home

Idaho county (property tax)

Utility load (winter heating + year-round)

National calculators skip this. Idaho winter heating is real and changes what BAH covers.

VA loan rate (%)

Mike updates this weekly — see today's actual on the homepage.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Meridian / Eagle / Coeur d'Alene master-planned typically $40-120/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

2026 BAH figures are the official DoD with-dependents rates effective Jan 1, 2026 for the Boise (ID084) and Mountain Home (ID086) housing areas; without-dependent rates are derived from the DoD 25% differential — confirm your exact rate at the DoD BAH calculator. Property tax estimates use 2026 effective rates by Idaho county. Utility estimates are Idaho-typical ranges (Idaho Power plus winter heating); your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026 — waived for any service-connected disability rating. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.