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North Carolina VA Loan — BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers — including the NC summer utility reality national lenders skip.

By Mike Certo, NMLS #260555 — Updated June 2026

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

Estimated 2026 BAH: $1,383 / month (confirm your exact rate)

The Home

North Carolina county (property tax)

Utility load (summer cooling)

National calculators skip this. NC summer A/C is real and changes what BAH covers.

Assumed rate (%) for estimating

Enter any rate to estimate payments. This is an assumption for the math, not a quote or an offer — ask Mike for current pricing.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Holly Springs / Cary / Jacksonville master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

Want Mike to verify this with today's actual rate and your real income?

Free 30-minute PCS strategy call. Bring your orders. Mike's done dozens of Fort Liberty, Camp Lejeune, Cherry Point, and Seymour Johnson families. No pressure, no script.

2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by NC county. Utility estimates are North Carolina-typical summer cooling ranges; your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026 — waived for 10%+ disability. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.