Is there a funding fee on a VA IRRRL?
Usually yes — a small flat funding fee, much lower than purchase or cash-out funding fees. Exempt borrowers (disability comp, surviving spouse) still pay no funding fee on an IRRRL.
Plain-English explanation
The IRRRL funding fee is a low fixed percentage of the loan amount, typically financed into the new loan. The point of the IRRRL is reduced documentation and a small cost to drop the rate; the funding fee fits that frame. Confirm the current percentage against the official VA funding-fee table.
What can change the answer?
First/subsequent use, down payment percentage, loan type (purchase, IRRRL, cash-out), and exemption status (disability, surviving spouse) drive the fee.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Funding Fee
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.