Comparison

Mortgage Hero vs Ultimate VA Calculator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Mortgage Hero

Features
Read full description

Mortgage Hero helps you get the complete picture of your mortgage. You can easily calculate the estimated payment, compare different loan terms and view amortisation. The convenient Affordability Calculator let you determine comfortable mortgage amount based on you current income. Add Property Tax, Home Insurance and HOA fee and see the real cost of owning the house. Key Features of Mortgage Hero: —Mortgage Payment calculator —Affordability calculator. Easy to use Mortgage Calculator: • Your data is securely saved on your device. No third party access to your valuable data. • Real time Mortgage Payment visualisation updated while you adjust the mortgage parameters and additional costs • Add Down Payment • Select Mortgage Term - 30 years, 20 years, 15 years, 10 years • Specify Interest rate • Add Property Tax to see the real cost of ownership • Add Home Insurance • Add HOA fee to the monthly payment • Add PMI(private mortgage insurance) to the monthly payment • See the total paid amount • See ratio of the interest paid to the mortgage amount (updated in Real time!) • See the mortgage amortisation Convenient Mortgage Amortisation: • See how much Interest and Principal are paid over time. • Graph of the remaining balance over the years. • View a detailed monthly Mortgage Amortisation breakdown with the amount going toward the principal and the accumulated Interest. The best of all is that the Mortgage Hero is an independent app: - We are not selling your info. - We are not trying to suggest you offers from "friendly" lenders. - We have YOUR best interest in mind.

About

Ultimate VA Calculator

This app assists military personnel and veterans with real estate transactions. It offers tools for calculating VA home loan rates, mortgage payments, BAH, home sale proceeds, and rent vs. buy comparisons. It also provides expert insights for informed decision-making.

Highlights
  • Daily VA Home Loan Rates
  • VA Loan Calculator
  • BAH Calculator
  • Home Sale Net Proceeds Calculator
  • Rent Calculator
  • Expert Education & Insights
Features
Read full description

Ultimate VA Calculator is an all-in-one military real estate app for veterans, active-duty service members and military families navigating a home purchase, PCS move, sale, rental decision or repeat use of VA financing. Use one app to estimate VA mortgage payments, compare BAH, organize a home-buying budget, estimate home-sale proceeds, review rent costs over time and estimate remaining VA entitlement. VA MORTGAGE CALCULATOR Estimate a VA mortgage payment and important loan costs using inputs such as purchase price, down payment, interest rate, term, property taxes, homeowners insurance, VA disability status and VA Funding Fee treatment. The app can also help estimate buyer closing costs, rate buydown costs and cash needed to close based on the information entered. BAH CALCULATOR Research Basic Allowance for Housing using duty location, pay grade or rank, and with- or without-dependent status. Compare BAH with an estimated mortgage payment or other housing costs when preparing for a PCS. VA LOAN LIMIT & REMAINING ENTITLEMENT Already have a VA-financed property? Estimate remaining VA entitlement and whether another VA purchase could potentially require a down payment when entitlement is still tied to an existing loan. This tool is useful for repeat-use VA borrowers and military families deciding whether to keep a current home after a PCS. HOME SALE PROCEEDS Estimate selling expenses and potential net proceeds to better understand how much you may walk away with after a home sale. RENT CALCULATOR See how rent can add up over approximately one to five years and use the result as part of a rent-versus-buy or keep-versus-sell decision. BUDGET & DTI Enter income and recurring debts to estimate debt-to-income ratio and organize a preliminary home-buying budget before speaking with a mortgage professional. VA RATE INFORMATION & EDUCATION Follow current national average VA mortgage-rate information and broader rate trends. Access VA loan education, PCS resources, military real estate information, videos, classes, Vetted Pros and Instant VA Support. Built for military home decisions: buying, selling, renting, investing, relocating through PCS or using VA financing again. Ultimate VA Calculator is an unofficial educational application from Veterans Agents Inc. It is not affiliated with, endorsed by or operated by the U.S. Department of Veterans Affairs. Calculator results are estimates and are not loan approval, a personalized rate quote, an appraisal, legal advice, tax advice or financial advice. Confirm eligibility, entitlement, BAH, rates, costs and loan terms with the appropriate official source or qualified professional.

Screenshots

Mortgage Hero4 screens
Ultimate VA Calculator4 screens

Verdict

The call

Mortgage Hero and Ultimate VA Calculator are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Mortgage Hero ships an update fortnightly, Ultimate VA Calculator every 3 weeks. The most recent releases landed on October 10, 2026 and October 25, 2026 respectively.

ScorecardNo meaningful differences
Mortgage Hero versus Ultimate VA Calculator: the parameters behind the verdict, then further details
ParameterMortgage HeroUltimate VA Calculator
PriceFreeFree
Rating—4.9 (7 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—7 — better
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.016.6 — better
Further details — not scored
Size1 MB26 MB
Age rating4+17+
DeveloperSTANIMIR IVELINOV DENCHEVVeterans Agents Inc.

In-app purchases

None

Mortgage Hero

No in-app purchases

None

Ultimate VA Calculator

No in-app purchases

Questions

Is Mortgage Hero free?
Mortgage Hero is free to download, with no in-app purchases.
Is Ultimate VA Calculator free?
Ultimate VA Calculator is free to download, with no in-app purchases.
Do Mortgage Hero or Ultimate VA Calculator have ads?
Neither Mortgage Hero nor Ultimate VA Calculator shows ads.
Which is updated more often, Mortgage Hero or Ultimate VA Calculator?
Mortgage Hero ships an update fortnightly, and Ultimate VA Calculator every 3 weeks. Most recently, Mortgage Hero was updated on October 10, 2026 and Ultimate VA Calculator on October 25, 2026.

Other comparisons