VA Funding Fee Calculator
Illustrative VA funding-fee percent × loan amount — first use, subsequent, or IRRRL. Click any i for detail.
Loan & entitlement use
Loan amount ($)
i
Loan
Before funding fee if financed. |
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|---|---|
Loan use
i
Use
First vs subsequent purchase, or IRRRL refinance. |
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Down payment (%)
i
Down
Reduces purchase funding-fee tier. |
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Fee exempt?
i
Exempt
Some veterans (e.g., certain disability ratings) pay 0%. |
How to use this calculator
- Enter the loan amount.
- Choose first use, subsequent, or IRRRL.
- Set down payment for purchase tiers.
- Mark exempt if applicable and read the fee.
Results explained
Most VA loans charge a funding fee that varies by first vs subsequent use, down payment, and loan type (purchase vs IRRRL). This page uses an illustrative rate table for education only — confirm current VA circulars before closing.
Quick reference: illustrative VA fee table
fee = loan × table%; exempt → $0.
| Item | Detail |
|---|---|
| IRRRL | ≈ 0.50% |
| First use <5% down | ≈ 2.15% |
| Subsequent <5% down | ≈ 3.30% |
| ≥10% down purchase | ≈ 1.25% |
Illustrative — official VA funding-fee schedules change over time.
How the estimate is built
Look up illustrative rate from use + down%; fee = loan × rate (or 0 if exempt).
Example scenario
$400,000 first-use purchase, 0% down → ~$8,600 (2.15%).
FAQ
Can the fee be financed?
Often yes — ask your lender; financing raises the loan balance.
Who is exempt?
Certain disability ratings and other categories — verify with VA/lender.
Cash-out refinance?
Different rules; this page focuses on purchase + IRRRL sketches.
Reserve/National Guard?
May affect first vs subsequent — confirm entitlement status.