How much is the VA funding fee?
It varies by first vs subsequent use, down payment, and loan type (purchase, IRRRL, cash-out). Funding-fee percentages change with legislation and VA updates. Confirm the exact number against the official VA funding-fee table before making cash-flow decisions.
What this actually means.
The VA publishes the live funding-fee table on its loan-page resources. The fee can move with legislation — confirm against the current table rather than relying on older percentages. Disabled-veteran and surviving-spouse exemptions zero out the fee entirely. Subject to VA guidelines.
Where this can move.
First/subsequent use, down payment percentage, loan type (purchase, IRRRL, cash-out), and exemption status (disability, surviving spouse) drive the fee.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.