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VA Funding Fee Calculator
VA funding fee is a one-time charge (1.25%-3.30% of loan) that replaces traditional mortgage insurance. Varies by first-time vs subsequent use, down payment tier, and exemption status. This calculator sizes it.
Funding fee
$7,525
Funding fee rate
2.150%
Loan including financed fee
$357,525
How the math works
First-use purchase with 0% down: 2.15%. On $350K: $7,525 one-time fee. Financing rolls it into the loan — paid over 30 years.
Exemption status matters: disabled vets pay $0. Always verify with your VA Certificate of Eligibility and lender. Cash-out refi for subsequent use is the most expensive (3.30%) — refinance needs a hurdle.
EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.
Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.
Learn more about our review process on the EveryCalc methodology page.
How this calculator works
What this page estimates
This VA Funding Fee Calculator is built to give a quick, browser-based estimate for va funding fee. VA funding fee is a one-time charge (1.25%-3.30% of loan) that replaces traditional mortgage insurance. Varies by first-time vs subsequent use, down payment tier, and exemption status. This calculator sizes it. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.
Calculation approach
The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.
Example workflow
For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.
Practical checks
- Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
- Run a low, base, and high case when the inputs are estimates.
- Check the related calculators below when the next decision depends on a different assumption.
How to interpret the va funding fee result
Best use
Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.
Cross-check
Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.
Watch for
Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.
This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.
Before relying on this va funding fee estimate
Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.
Confirm source numbers
Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.
Separate cash flow from total cost
A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.
Run conservative cases
Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.
Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.
How to Use
- Enter loan amount, down payment %, and whether first VA use.
- Check exemption (disabled veteran, Purple Heart, surviving spouse).
- See funding fee $ and effect on payment if financed.
Frequently Asked Questions
Who's exempt from VA funding fee?
Veterans with VA-rated service-connected disability, Purple Heart recipients on active duty, surviving spouses of veterans who died in service or from service-connected cause. Approximately 30% of VA borrowers are exempt.
Can I roll the funding fee into the loan?
Yes and most do. Doesn't count against loan limits. Adds to total loan balance and monthly payment but saves cash at close.
What are the 2026 rates?
First-time use: 2.15% (0% down), 1.50% (5-9.99% down), 1.25% (10%+ down). Subsequent use: 3.30% (0% down), 1.50% (5-9.99%), 1.25% (10%+). IRRRL: 0.50%. Lower rates for reserves/guard.
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