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.
What this actually means.
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.
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.