VA Loan Funding Fee

Although there are a few exemptions, including exemptions for veterans with disabilities, most VA loans include a funding fee, which the veteran can finance. The funding fee is charged by the VA to help defray the cost of administering the VA Home Loan Program.

The funding fee ranges from 0.50% to 3.30%, depending on what type of loan the veteran is obtaining and whether it is his/her first time use of loan eligibility or a subsequent use.

The VA is not the only entity that charges an upfront fee to cover costs. FHA loans also include an upfront premium which is equal to 1.75% of the loan amount.

The VA funding fee can also be financed. Disabled veterans, spouses of disabled veterans, and surviving spouses of veterans who died in service do not pay the funding fee. The funding fee is considered non-refundable unless the borrower is overcharged or inadvertently charged.

How Much is the VA Funding Fee?

The following tables show the different percentages of the loan amount required to be paid up-front or financed into the loan, based on the loan type, the down payment made and your branch of service.

Regular Military:


Down Payment Fee (First-time use) Fee (Subsequent use)
0% 2.15% 3.30%
5-10% 1.50% 1.50%
10% 1.25% 1.25%

National Guard and Reserves:


Down Payment Fee (First-time use) Fee (Subsequent use)
0% 2.40% 3.30%
5-10% 1.75% 1.75%
10% 1.25% 1.25%

All Military Personal, National Guard, and Reserves:


Loan Type Fee (First-time use) Fee (Subsequent use)
IRRRL 0.50% 0.50%
Mobile Home 1.00% 1.00%
Assumptions 0.50% 0.50%

You may notice that the VA Funding Fee for a VA Refinance is the same regardless of the military branch served or first time or any subsequent use.

Get Started Today With Your VA Loan Request!

To speak with Chris or one of his team of VA Home Loan specialists about taking the next step toward prequalification, call us at 866-704-2826 or complete our quick-and-easy request form. We'll be happy to contact you and discuss your next steps.

We look forward to assisting you.

By submitting your request, you are not obligating yourself. You are simply asking to be contacted by one of our talented specialists who can answer your questions. Florida Veterans Home Loans works exclusively with military families and we have helped people all across Florida understand the VA loan process.