VA Funding Fee Calculator

Estimate the VA funding fee for purchase, IRRRL, and cash-out scenarios, including exemption and down payment context.

What This Page Helps You Do

Planning insight 1

Explains how first use, subsequent use, service category, and down payment can change the funding fee.

Planning insight 2

Calls out common exemption paths for eligible borrowers receiving VA disability compensation.

Planning insight 3

Shows why financing the fee affects both the loan balance and long-term interest cost.

Assumptions to Verify

  • Funding fee tables are based on current VA program rules reflected in the calculator.
  • Exemptions require eligible VA disability, Purple Heart, or surviving spouse documentation.
  • Actual closing figures depend on final loan type, loan amount, discount points, credits, and lender charges.

Recommended Next Steps

  1. 1. Check whether you are exempt before comparing cash-to-close options.
  2. 2. Compare zero-down, 5 percent down, and 10 percent down scenarios when cash reserves allow.
  3. 3. Review the fee treatment on your Loan Estimate before closing.

Why You Can Trust This Guidance

VA-approved lender powered by Stride Bank, NMLS #466690.

Educational estimates only; personalized eligibility and pricing require lender review.

Not affiliated with the Department of Veterans Affairs or any government agency.

Last reviewed: April 2026

Helpful Sources and Related Guides

VA home loan program overviewVA Certificate of Eligibility guideVA loan process guide

Continue Exploring

Use these related pages to compare eligibility, costs, payment strategy, and local VA loan context.

Frequently Asked Questions

How should I use the VA Funding Fee Calculator?

Use it as an educational planning tool to compare scenarios and identify questions for a personalized VA loan review. It is not a loan approval or locked quote.

What information should I verify after using this tool?

Verify eligibility, entitlement, income, debts, property details, rate, closing costs, and any exemption status with a loan specialist before making a financial decision.

VA Funding Fee Calculator