What is the VA funding fee?

It's a one-time fee that helps keep the VA loan program running at no cost to taxpayers. It's a percentage of your loan amount that depends on your down payment and whether it's your first VA loan or a later one.

Who is exempt from the VA funding fee?

Veterans receiving VA compensation for a service-connected disability (generally 10%+), certain Purple Heart recipients, and eligible surviving spouses are typically exempt. If you're exempt, the fee is $0.

Do I have to pay the funding fee upfront?

No — you can pay it at closing or roll it into your loan. Even with the fee financed, VA loans still require $0 down with full entitlement. Let's confirm your exact fee.

VA Loans · 2026

VA Funding Fee Calculator

Estimate your VA loan funding fee for a home purchase. Your fee depends on your down payment, whether it's your first VA loan, and your exemption status.

Home price$Down payment$0.0% down · VA loan $400,000

VA loan use

Funding fee exempt? (10%+ VA disability, Purple Heart)

Estimated VA funding fee

$8,600

2.15% of your VA loan amount

VA loan amount$400,000

Funding fee rate2.15%

If financed, loan becomes$408,600

2026 purchase estimate. The VA funding fee can be paid at closing or rolled into your loan, and it's waived for many veterans with a service-connected disability. VA loans still require $0 down with full entitlement. Let's confirm your exact fee and exemption.

Questions

What is the VA funding fee?: It's a one-time fee that helps keep the VA loan program running at no cost to taxpayers. It's a percentage of your loan amount that depends on your down payment and whether it's your first VA loan or a later one.
Who is exempt from the VA funding fee?: Veterans receiving VA compensation for a service-connected disability (generally 10%+), certain Purple Heart recipients, and eligible surviving spouses are typically exempt. If you're exempt, the fee is $0.
Do I have to pay the funding fee upfront?: No — you can pay it at closing or roll it into your loan. Even with the fee financed, VA loans still require $0 down with full entitlement. Let's confirm your exact fee.

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