VA Funding Fee Calculator

The VA funding fee is how most VA loans are funded. It can be financed into the loan. Veterans with a qualifying VA disability rating, and some surviving spouses, are typically exempt — confirm entitlement and exemption on the Certificate of Eligibility.

Purchase / construction, first use (common official table): less than 5% down — 2.15%. 5% but less than 10% down — 1.50%. 10% or more down — 1.25%.

Purchase / construction, subsequent use: less than 5% down — 3.30%. 5% but less than 10% down — 1.50%. 10% or more down — 1.25%.

Cash-out refinance: first use 2.15%, subsequent use 3.30%.

IRRRL (VA streamline) is a much smaller fee (commonly 0.50% for most, 0.50% or as published for Reservists — confirm the current VA table before quoting).

Always use the current table on VA.gov before locking a quote. This page is educational, not a commitment to lend.

Sal Bossio, Barrett Financial Group, LLC, NMLS #1984347. (516) 250-1334. 2701 E Insight Way, Suite 150, Chandler, AZ 85286.

Ready for real numbers? Tell me about your situation and I’ll come back with actual numbers — start here. Takes two minutes. More detail in the Sal Bossio Mortgage guide. Prefer to talk? Call or text (516) 250-1334, any day, any time. NMLS #1984347.