📌 Key Takeaway: The VA funding fee ranges from 1.25% to 3.3% of the loan amount depending on your down payment and whether it's your first or a subsequent VA loan — disabled veterans and several other groups are fully exempt.
2026 VA Funding Fee Chart
| Down Payment | First-Time Use | Subsequent Use |
|---|---|---|
| 0% down | 2.15% | 3.3% |
| 5%+ down | 1.5% | 1.5% |
| 10%+ down | 1.25% | 1.25% |
Refinance Funding Fees
| Refinance Type | Fee |
|---|---|
| VA IRRRL (streamline) | 0.5%, regardless of service history |
| Cash-out refinance (first use) | 2.15% |
| Cash-out refinance (subsequent) | 3.3% |
Who's Exempt
- Veterans receiving compensation for a service-connected disability.
- Veterans who would qualify for disability compensation if not receiving retirement pay.
- Those rated eligible based on pre-discharge exams.
- Purple Heart recipients.
- Eligible surviving spouses.
Financing the Fee
The funding fee can be rolled into the loan amount rather than paid in cash at closing, meaning most VA borrowers don't need to bring extra cash to cover it upfront.
This page is for educational purposes and isn't personalized financial or tax advice. Figures, rates, and program details change frequently — confirm current terms directly with lenders, tax professionals, or the IRS before acting.