How much is the VA funding fee on first use vs subsequent use?
Zero-down first-use purchase fees are lower than zero-down subsequent-use purchase fees. With a 5%+ down payment, both tiers drop. With a 10%+ down payment, both tiers drop further. IRRRL fees are a small fixed percentage. Confirm exact percentages against the current VA table.
What this actually means.
The funding-fee table has a meaningful step-up between first and subsequent zero-down purchases. Down payment of 5%+ closes part of the gap; 10%+ closes more. Cash-out refinances usually pay similar to purchase fees. IRRRLs pay a flat low fee regardless of first/subsequent. Always confirm against the live VA fee table — fees change with legislation.
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.
Ask the question. Get the straight answer.
Send the scenario and I'll tell you what I'm seeing. No application fee. No long form just to get a basic answer.
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.