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New Mexico VA Loan — BAH Calculator

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

By Mike Certo, NMLS #260555 — Updated June 2026

New Mexico VA Loan BAH Calculator

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

2026 BAH: $2,175 / month

The Home

New Mexico county (property tax)

Utility load (heating & cooling)

National calculators skip this. NM summer cooling and winter heating both move the number, and it changes what BAH covers.

Estimated rate for this estimate (%)

Enter any figure to model your payment. This is an illustration only, not a quote. Ask Mike for a personalized scenario.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Rio Rancho / Los Lunas master-planned communities 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 NM county. Utility estimates are NM-typical ranges (PNM and regional co-ops, summer cooling 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.