VA funding fee calculator
The VA funding fee is the one significant cost of a VA loan — and it varies from 0% (exempt) to 3.30% depending on your down payment, prior VA use, and loan purpose. Run your exact scenario with the official 2026 table.
Funding fee rate
2.15%
Funding fee
$8,600
one-time; usually financed
Loan with fee financed
$408,600
2026 VA funding-fee table: purchase 2.15% first use / 3.30% subsequent with less than 5% down, dropping to 1.50% (5–9.99% down) and 1.25% (10%+ down); IRRRL 0.50%. With full entitlement, VA loans have no loan limit in 2026. Estimates only — your lender confirms your exact fee and exemption status.
VA funding fee FAQ
How much is the VA funding fee in 2026?
For purchases with less than 5% down: 2.15% of the loan for first-time VA users and 3.30% for subsequent use. Putting 5–9.99% down cuts it to 1.50%, and 10%+ down to 1.25%, regardless of prior use. The IRRRL streamline refinance is 0.50%.
Who is exempt from the VA funding fee?
Veterans receiving VA disability compensation (or eligible to receive it), Purple Heart recipients on active duty, and eligible surviving spouses. Exemption means the fee is $0 — a significant savings worth confirming on your Certificate of Eligibility.
Do I have to pay the funding fee in cash?
No — nearly all borrowers finance it into the loan. On a $400,000 first-use purchase with nothing down, the 2.15% fee (about $8,600) simply rides along in the mortgage.
Is there a loan limit on VA loans in 2026?
Not with full entitlement — qualified veterans can borrow with no VA-imposed cap and no down payment. With partial entitlement (an active prior VA loan), lenders reference the 2026 conforming limits.
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