How to Use This VA Funding Fee Calculator
Our free va funding fee calculator gives you accurate estimates in seconds. Enter your numbers above and hit Calculate — results update instantly.
All calculations use current 2026 rates and formulas. Results are estimates to help you plan — always verify with a licensed professional for final numbers.
Frequently Asked Questions
What is the VA funding fee for 2026?
For 2026, the VA funding fee for first-time use with no down payment is 2.15% for regular military and 2.40% for Reserves/National Guard. With 5%+ down, it drops to 1.50%. Second use is 3.30% with no down payment.
Who is exempt from the VA funding fee?
Veterans receiving VA disability compensation, surviving spouses of veterans who died in service or from a service-connected disability, and active duty service members with a Purple Heart are exempt from the VA funding fee.
Can the VA funding fee be financed?
Yes, the VA funding fee can be rolled into your loan amount. This means you don't pay it upfront, but it increases your loan balance and the total interest you'll pay over the life of the loan.
How do I pay the VA funding fee?
You can pay the VA funding fee at closing as a lump sum, or finance it into your loan. Some sellers also agree to pay it as part of seller concessions.
Does the VA funding fee change with down payment?
Yes. With no down payment: 2.15% (first use). With 5-9.99% down: 1.50%. With 10%+ down: 1.25%. A larger down payment reduces your funding fee percentage.