VA Funding Fee Calculator

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

What is the VA funding fee?

Most VA borrowers pay a one-time funding fee unless exempt. The percentage depends on loan type (purchase, cash-out, or IRRRL), first-time vs subsequent use (purchase and cash-out), and down payment (purchase only). Some borrowers are exempt, such as those receiving VA disability compensation. Your lender confirms your funding fee status using your Certificate of Eligibility (COE).

Good fit if

  • You need a first-pass fee estimate before comparing cash-to-close options
  • You want to see how down payment tiers change the chart percentage
  • You are checking whether exemption status may remove the fee

Be careful if

  • You treat the calculator output as a final closing figure without a Loan Estimate
  • You assume exemption without verifying VA documentation
  • You confuse the funding fee with monthly PMI (VA loans do not use monthly PMI)

How to use this VA funding fee calculator

  1. Choose loan type and use. Select purchase, IRRRL, or cash-out, and whether this is first or subsequent use of the VA benefit.
  2. Enter loan amount and down payment. Down payment tiers can change the chart percentage on purchase loans.
  3. Mark exemption status if applicable. If one of VA's exemption descriptions may apply to you, mark it before comparing cash-to-close. Your lender confirms your funding fee status using your Certificate of Eligibility (COE).
  4. Review fee treatment. Compare financing the fee into the loan versus paying it at closing, then verify on your Loan Estimate.

VA funding fee chart values used on this page

Cleared chart values only (also used on the VA mortgage calculator). Verify current figures on VA.gov.

Loan scenario0% down5%+ down10%+ down
Purchase / construction — first use2.15%1.50%1.25%
Purchase / construction — subsequent use3.30%1.50%1.25%
VA cash-out refinance — first use2.15%2.15%2.15%
VA cash-out refinance — subsequent use3.30%3.30%3.30%
IRRRL (Interest Rate Reduction Refinance)0.50%0.50%0.50%
Exempt borrowers0%0%0%

Methodology and chart sources

This calculator uses the same cleared VA funding fee chart values already published on National VA Loans calculator pages. It does not invent new fee percentages. Always verify current figures on VA.gov before making a financial decision.

  • Purchase / cash-out first use and subsequent use tiers follow the on-page chart below.
  • IRRRL uses the flat streamline chart value shown in the table.
  • Exempt scenarios show 0%. Your lender confirms your funding fee status using your Certificate of Eligibility (COE).
  • Financing the fee increases loan balance; paying in cash keeps the loan smaller.

Related tools

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: September 2026

Helpful Sources and Related Guides

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

Related VA Funding Fee Calculator pages

These links stay on the same topic. Sitewide calculators and guides are listed below.

VA Funding Fee Calculator