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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.
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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