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VA Funding Fee

Paid directly to the VA as a percentage of the loan amount to ensure mortgage lenders are protected in case of loan default. Typically, the fee is included in the final VA loan balance.


| Excellent 4.9 out of 5

VA Purchase or Construction Loans

  Down Payment Amount Funding Fee Percentage
First Use Less than 5% 2.15%
  5% or more 1.50%
  10% or more  1.25%
Subsequent Use Less than 5% 3.30%
  5% or more 1.50%
  10% or more 1.25%
Disabled Veteran   Exempt

VA Cash-Out Refinance

  Funding Fee Percentage
First Use 2.15%
Subsequent Use 3.3%
Disabled Veteran Exempt

Other VA Home Loan Types

Loan Type Funding Fee Percentage
Interest Rate Reduction Refinance Loans (IRRRLs) 0.5%
Manufactured Home Loans (not permanently affixed) 1%
Loan Assumptions 0.5%
Native American Direct Loan (Non-IRRRL) 1.25%
Disabled Veteran Exempt

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