VA Funding Fee

Although there are a few exemptions, including exemptions for veterans with disabilities, most VA loans include a funding fee, which the veteran can finance. The funding fee is charged by the VA to help cover the cost of administering the VA Home Lloan Program.

The funding fee ranges from 0.50% to 3.30%, depending on what type of loan the veteran is obtaining and whether it is his/her first time use of loan eligibility or a subsequent use.

The VA is not the only entity that charges an upfront fee to cover costs. FHA loans also include an upfront premium which is equal to 2.25% of the loan amount.

The VA funding fee can also be financed. Disabled veterans, spouses of disabled veterans, and surviving spouses of veterans who died in service do not pay the funding fee. The funding fee is considered non-refundable unless the borrower is overcharged or inadvertently charged.

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The following VA Funding Fee Tables allow you to easily calculate the funding fee charged by the Veteran's Administration for guaranteeing your VA loan.

Purchase and Contruction Loans

Type of Veteran Down Payment First Time Use *Subsequent Use
*Subsequent Use Fee of 3.30% for loans from 1/1/04 to 9/30/2011  
Regular Military None 2.20% 3.30% *
5% or more (up to 10%) 1.50% 1.50%
10% or more 1.25% 1.25%
Reserves/ National Guard None 2.40% 3.30% *
5% or more (up to 10%) 1.75% 1.75%
10% or more 1.50% 1.50%

Cash-Out Refinancing Loans

Type of Veteran Percentage for First Time Use Percentage for Subsequent Use
Reserves/ National Guard 2.40% 3.30% *
Regular Military 2.20% 3.30% *

Important* The higher subsequent use fee does not apply to these types of loans if the veteran’s only prior use of entitlement was for a manufactured home loan.

Other Types of Loans

Type of Loan Percentage for Either Type of Veteran
Whether First Time or Subsequent Use
Loan Assumptions .50%
Interest Rate Reduction Refinancing Loans .50%
Manufactured Home Loans 1.00%

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