Calculators
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VA funding fee chart and estimator (estimates only)
Source: VA.gov, VA funding fee rate charts, effective April 7, 2023 (page last updated October 5, 2026). Fees are a share of the total loan amount.
| Loan type | First use | After first use |
|---|---|---|
| Cash-out refinance | 2.15 percent | 3.3 percent |
| IRRRL | 0.5 percent | |
| Loan assumption | 0.5 percent | |
| Vendee loan (VA-acquired property) | 2.25 percent | |
| Manufactured home (not permanently affixed) | 1 percent | |
| Native American Direct Loan: purchase / refinance | 1.25 percent / 0.5 percent | |
Purchase and construction fees depend on prior use and the down payment; see the full chart on VA.gov. Exempt: veterans receiving or eligible for service-connected disability compensation, surviving spouses receiving DIC, certain service members with a pre-discharge rating, and active-duty Purple Heart recipients.