Bases: Fort Meade · Joint Base Andrews · Aberdeen · NAS Patuxent River · $0 down VA · MD disabled-Veteran property tax exemption · Call Mike (480) 296-6513

Maryland VA Loan — BAH Calculator

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

By Mike Certo, NMLS #260555 — Updated June 2026

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

2026 BAH: $3,132 / month

The Home

Maryland county (property tax)

Utility load (summer cooling)

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

Assumed interest rate (%) for the estimate

This is an illustration figure you can change. Ask Mike for a real quote based on your file.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Bowie / Waldorf / Bel Air master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by Maryland county (state plus local levies). Utility estimates are Maryland-typical ranges (BGE / Pepco / SMECO summer cooling and winter heating); 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.