{"id":8461,"date":"2026-08-12T14:38:00","date_gmt":"2026-08-12T19:38:00","guid":{"rendered":"https:\/\/tomo.com\/blog\/?p=8461"},"modified":"2026-08-18T09:07:11","modified_gmt":"2026-08-18T14:07:11","slug":"va-funding-fee","status":"publish","type":"post","link":"https:\/\/tomo.com\/blog\/va-funding-fee\/","title":{"rendered":"VA Funding Fee 2026: How Much It Costs and Who Is Exempt"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The VA funding fee is <a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/funding-fee-and-closing-costs\/\" title=\"VA funding fee\">2.15%<\/a> of the loan amount for a first-time <a href=\"https:\/\/tomo.com\/mortgage\/products\/va\" title=\"Tomo Mortgage VA loans\">VA loan<\/a> with less than 5% down, or $8,600 on a $400,000 loan. On any use after the first, with less than 5% <a href=\"https:\/\/tomo.com\/blog\/what-should-i-put-down-for-my-down-payment\/\" title=\"What % should I put down for my down payment?\">down<\/a>, the fee rises to 3.3%, or $13,200 on the same loan amount. <a href=\"https:\/\/tomo.com\/blog\/who-can-get-in-on-a-va-loan\/\" title=\"Who qualifies for a VA loan?\">Veterans<\/a> receiving VA disability compensation, among other exempt categories, pay $0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick Answer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First use, less than 5% down: 2.15% of the loan amount ($8,600 on $400,000).<\/li>\n\n\n\n<li>Subsequent use, less than 5% down: 3.3% of the loan amount ($13,200 on $400,000).<\/li>\n\n\n\n<li>Putting 5% or more down lowers the fee to 1.5% on any use; 10% or more down lowers it to 1.25%.<\/li>\n\n\n\n<li>Full exemption (0% fee) applies to veterans receiving VA disability compensation, DIC surviving spouses, and Purple Heart recipients on active duty, among other categories.<\/li>\n\n\n\n<li>The fee can be financed into the loan, which is the most common approach, or paid as a lump sum at closing; financing it increases the loan balance and total interest paid over time.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">VA Funding Fee Rates by Use and Down Payment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Down Payment<\/th><th>First Use<\/th><th>Subsequent Use<\/th><\/tr><\/thead><tbody><tr><td>Less than 5%<\/td><td>2.15%<\/td><td>3.3%<\/td><\/tr><tr><td>5% or more<\/td><td>1.5%<\/td><td>1.5%<\/td><\/tr><tr><td>10% or more<\/td><td>1.25%<\/td><td>1.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to <a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/funding-fee-and-closing-costs\/\" title=\"VA.gov\">VA.gov<\/a>&#8216;s current funding fee rate chart (effective April 7, 2023, last confirmed January 2026), these rates apply to VA-backed purchase and construction loans. Cash-out refinance loans use a flat rate regardless of down payment: 2.15% for first use, 3.3% for subsequent use.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What This Looks Like on a $400,000 Loan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First use, 0% down: $400,000 x 2.15% = $8,600<\/li>\n\n\n\n<li>Subsequent use, 0% down: $400,000 x 3.3% = $13,200<\/li>\n\n\n\n<li>First use, 10% down ($40,000): remaining $360,000 loan x 1.25% = $4,500<\/li>\n\n\n\n<li>Subsequent use, 10% down ($40,000): remaining $360,000 loan x 1.25% = $4,500<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">*These examples are illustrative and use a $400,000 loan amount for consistency; the fee is calculated on the loan amount, not the purchase price. <\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\">Start Your VA Mortgage Application Today<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Who Is Exempt From the VA Funding Fee<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to VA.gov, you are fully exempt from the funding fee if any of the following apply:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are receiving VA compensation for a service-connected disability (compensation generally begins at a 10% disability rating).<\/li>\n\n\n\n<li>You are eligible for VA disability compensation but are receiving retirement or active-duty pay instead.<\/li>\n\n\n\n<li>You are the surviving spouse of a veteran receiving Dependency and Indemnity Compensation (DIC).<\/li>\n\n\n\n<li>You are a service member with a pre-discharge proposed or memorandum rating showing eligibility for compensation.<\/li>\n\n\n\n<li>You are an active-duty service member who provides evidence of a Purple Heart on or before your loan closing date.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Veterans who are later awarded VA disability compensation retroactive to before their closing date may also be eligible for a refund of a funding fee already paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Pay the Funding Fee<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You have two options: finance the fee into the loan amount, which is the most common approach and does not require cash at closing, or pay the full fee in a lump sum at closing. Financing the fee increases both the loan balance and the total interest paid over the life of the <a href=\"https:\/\/tomo.com\/blog\/what-is-a-va-loan\/\" title=\"What is a VA loan?\">VA loan<\/a>, so borrowers who can pay it upfront reduce their long-term cost, though most veterans finance it. On a purchase loan, the funding fee is the only cost that can be financed into the loan amount; all other closing costs must be paid at <a href=\"https:\/\/tomo.com\/blog\/section-b-closing-costs-explained\/\" title=\"Understanding Your Section B Closing Costs at Tomo Mortgage\">closing<\/a>. <\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/tomo.com\/mortgage\/rates\">See How Much You Qualify For<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions (FAQs)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the VA funding fee for first-time buyers in 2026?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2.15% of the loan amount with less than 5% down, dropping to 1.5% with 5% or more down and 1.25% with 10% or more down.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who is exempt from paying the VA funding fee?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Veterans receiving VA disability compensation, those eligible for disability compensation but receiving retirement or active-duty pay instead, DIC surviving spouses, service members with a qualifying pre-discharge rating, and active-duty Purple Heart recipients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I roll the VA funding fee into my loan amount?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Financing the funding fee into the loan is the most common approach and is the only closing cost the VA allows to be financed on a purchase loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How does the VA funding fee compare to FHA mortgage insurance?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/tomo.com\/mortgage\/products\/fha\" title=\"Tomo Mortgage FHA loans\">FHA loans<\/a> charge an upfront mortgage insurance premium (MIP) of 1.75% plus an annual MIP of about 0.55% for most 30-year loans with 3.5% down, according to the Department of Housing and Urban Development (HUD). That annual <a href=\"https:\/\/tomo.com\/blog\/everything-you-need-to-know-about-mortgage-insurance-premiums-mip\/\" title=\"What Is FHA Mortgage Insurance Premium (MIP)?\">MIP<\/a> lasts the life of the loan with less than 10% down, or 11 years with 10% or more down. The VA funding fee is a one-time cost with no ongoing annual charge, which is why VA loans are generally cheaper over time for borrowers who qualify.<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"background: #ddf5f4; padding: 24px 28px; margin: 32px 0; border-radius: 8px;\">\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; font-size: 22px; color: #1a1a1a; margin: 0 0 12px 0; line-height: 1.3; text-align: left;\">\n    Ready to experience a different kind of lender?\n  <\/p>\n  \n  <p style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 400; font-size: 16px; color: #2d2d2d; margin: 0 0 20px 0; line-height: 1.5; text-align: left;\">\n    Tomo was built without lender fees, which means our team&#8217;s success is measured by your closing. If you value transparent pricing and a stremlined digital experience, Tomo Mortgage was built for you.\n  <\/p>\n  \n  <a href=\"https:\/\/tomo.com\/mortgage\/app\/preapproval\" style=\"font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 600; display: inline-block; background: #fb7564; color: #ffffff; font-size: 16px; padding: 14px 28px; border-radius: 6px; text-decoration: none; text-align: left;\">\n    Get Started \u2192\n  <\/a>\n  \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The VA funding fee is 2.15% of the loan amount for a first-time VA loan with less than 5% down, or $8,600 on a $400,000 loan. On any use after the first, with less than 5% down, the fee rises to 3.3%, or $13,200 on the same loan amount. Veterans receiving VA disability compensation, among [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":4983,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"fifu_image_url":"","fifu_image_alt":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[13,288,38],"tags":[298,329],"class_list":["post-8461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-guide","category-home-buying-process","category-mortgage-dictionary","tag-homebuying","tag-va-loans"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"The VA funding fee is 2.15% for first-time use (0% down) and 3.3% for subsequent use. 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