VA Funding Fee
Calculate your VA loan funding fee for 2026 by down payment and whether it’s your first or subsequent VA loan — and check whether you’re exempt. Veterans receiving VA disability compensation generally pay no funding fee at all.
Frequently asked questions
Who is exempt from the VA funding fee?
Veterans receiving VA disability compensation, Purple Heart recipients on active duty, and certain surviving spouses are exempt from the VA funding fee.
How much is the VA funding fee?
For 2026 it ranges from about 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.