Wondering how much the VA loan funding fee will add to your mortgage? Use this simple calculator to get an instant estimate based on the latest rates.
This tool shows how the fee changes based on your loan type, down payment amount, and whether you’ve used a VA loan before.
If you're exempt due to a service-connected disability or surviving spouse status, your funding fee will be $0.
Just enter your loan info to estimate your potential VA funding fee based on 2025 rates.
This calculator provides an estimate based on 2025 rates for informational purposes only. Consult with a qualified lender for exact figures and eligibility confirmation.
The VA funding fee is a one-time charge added to most VA home loans. It helps keep the program running for future veterans by covering administrative costs — without relying on taxpayer dollars.
Purchase loans: Up to 2.15% for first use with 0% down
Subsequent use: Fee rises to 3.3% unless you put money down
Refinance (IRRRL): Always just 0.5%
Exemptions: Many veterans and surviving spouses qualify for a $0 fee
Most borrowers choose to finance the fee into their loan, which avoids an upfront cost but increases your overall mortgage balance slightly.
To help you make sense of your calculator results, here’s the full VA loan funding fee chart for:
| Down Payment | First-Time Use | Subsequent Use |
|---|---|---|
| 0% | 2.15% | 3.3% |
| 5% – 9.99% | 1.5% | 1.5% |
| 10% or More | 1.25% | 1.25% |
| IRRRL Refinance | 0.5% | 0.5% |
| Cash-Out Refinance | 2.15% | 3.3% |
Tip: Even a small down payment can cut your fee in half. That’s a huge savings over the life of your loan.
If you meet any of the criteria below, your VA loan funding fee may be waived entirely:
You receive VA disability compensation (any percentage)
You're eligible for compensation but receive military retirement pay instead
You’re an active-duty Purple Heart recipient
You’re a surviving spouse of a veteran who died in service or from a service-connected cause
Not sure? If your disability claim is still pending, your lender may temporarily charge the fee — but you could qualify for a refund once your claim is approved.
Yes, and most borrowers do. Here’s how it works:
The fee can be added to your loan amount, so you don’t pay it out-of-pocket at closing. This increases your total loan balance and monthly payment slightly, but helps avoid upfront costs.
Example: On a $300,000 home, a 2.15% fee = $6,450. If financed, that gets added to your loan and paid over time.
If you have the option, paying it upfront will save you money on interest long term.
The VA loan program limits certain closing costs, but you’ll still need to budget for:
Appraisal fee
Title and recording fees
Escrow setup (taxes and insurance)
Loan origination fees (if charged by your lender)
Sellers can pay up to 4% of the loan amount toward your costs, including the funding fee. Don’t hesitate to negotiate!
Our team specializes in helping veterans and active-duty borrowers:
Understand their VA funding fee
Get approved with little to no money down
Secure exemptions and maximize benefits
You served — now it’s our turn to serve you.
