2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by GA county. Utility estimates are GA-typical ranges (Georgia-typical summer cooling); 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.