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VA Funding Fee Chart

The Funding Fee is calculated by looking at 5 different factors. Take a look at the charts below to see how the VA funding fee varies based on these factors.
  • Loan amount
  • Loan type (Purchase or Refinance)
  • Type of service
  • Down payment (if any)
  • Prior VA use
Take a look at the charts below to see how the VA funding fee varies based on these factors.

Purchase - First Time Use

Down Payment

  • 0% Down
  • 5% - 10% Down
  • 10% or More Down

Active Duty / Retired

  • 2.15%
  • 1.50%
  • 1.25%

Guard / Reserve

  • 2.40%
  • 1.75%
  • 1.50%

Purchase - Additional Use

Down Payment

  • 0% Down
  • 5% - 10% Down
  • 10% or More Down

Active Duty / Retired

  • 3.30%
  • 1.50%
  • 1.25%

Guard / Reserve

  • 3.30%
  • 1.75%
  • 1.50%

Cash out Refinance

Down Payment

  • 1st Time Use
  • Additional Use

Active Duty / Retired

  • 2.15%
  • 3.30%

Guard / Reserve

  • 2.40%
  • 3.30%

IRRL (Interest Rate Reduction Loan)

Down Payment

  • 1st Time Use
  • Additional Use

Active Duty / Retired

  • 0.50%
  • 0.50%

Guard / Reserve

  • 0.50%
  • 05.0%

How the VA Funding Fee is Paid

The VA funding fee doesn't need to be 'paid' separately and is typically rolled into the loan. This is a big benefit to borrowers looking to take advantage of the $0 down benefit of the VA loan. Not only do borrowers not need to put anything down, but they can also finance the VA funding fee as well.

VA Funding Fee Exemption

Borrowers are exempt from paying the funding fee if they receive any disability payments from the VA or are considered at least 10% disabled.

Call a Sr. VA Home Loan Technician at:

(949) 268-7742