VA Home Loan Program Funding Fee
Edited by Michael Jensen
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VA Funding Fee
- The VA mortgage program requires that borrowers pay a one-time, up-front VA Funding Fee
- The VA funding fee is required for almost all borrowers although some veterans may be exempt
- The VA funding fee is calculated as a percentage of the mortgage amount
- The fee may be paid in cash or added to the mortgage amount, or a combination of the two, as long as the total mortgage amount does not exceed the VA mortgage limit
- The amount of VA funding fee depends on the down payment amount (if you decide to make a down payment), type of military service (regular military versus reserves / national guard) and if this is your first time using a VA mortgage program
- An eligible veteran may use the VA mortgage program multiple times although the funding fee increases after the first use
- The table below shows the VA funding fees for home purchases
- Use our VA Mortgage Qualification Calculator to calculate the up-front VA Funding Fee for any VA mortgage
| Type of Veteran | Down Payment | VA Funding Fee for First Time Use |
VA Funding Fee for Subsequent use |
| Regular Military | 0% – 4.99% | 2.15% of loan amount | 3.30% of loan amount |
| 5% – 9.99% | 1.50% of loan amount | 1.50% of loan amount | |
| 10% or more | 1.25% of loan amount | 1.25% of loan amount | |
| Reserves / National Guard | 0% – 4.99% | 2.40% of loan amount | 3.30% of loan amount |
| 5% – 9.99% | 1.75% of loan amount | 1.75% of loan amount | |
| 10% or more | 1.50% of loan amount | 1.50% of loan amount | |
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