How much is the VA funding fee on first use vs subsequent use?
For a non-exempt purchase borrower, less than 5% down means a 2.15% first-use fee or 3.30% after first use. At 5% to less than 10% down, both pay 1.50%; at 10% or more, both pay 1.25%. Other VA loan types use different schedules.
What this actually means.
For a non-exempt purchase borrower, the first-use and subsequent-use fee differs only below 5% down: 2.15% versus 3.30%. At 5% to less than 10% down, both are 1.50%; at 10% or more, both are 1.25%. Cash-out refinancing uses 2.15% on first use and 3.30% after first use, without the purchase down-payment tiers. The IRRRL fee is 0.50%. A qualifying exemption makes the fee $0. Confirm the current schedule and VA's determination before closing.
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.