{"id":5625,"date":"2023-04-03T16:52:50","date_gmt":"2023-04-03T16:52:50","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=5625"},"modified":"2026-03-02T23:42:12","modified_gmt":"2026-03-02T23:42:12","slug":"va-funding-fee","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/va-loans\/va-funding-fee\/","title":{"rendered":"VA Funding Fee Guide: How Much Is the VA Funding Fee in 2026?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">VA loans are available to active-duty members of the military and veterans. With a VA loan, you can secure a home loan with a relatively low interest rate without supplying a down payment or paying private mortgage insurance (PMI).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While these benefits are certainly nice, there is a price attached to them. That is where the VA loan funding fee enters the picture. A VA loan funding fee is a cost associated with virtually every VA loan. Borrowers are required to pay the funding fee in order to support the VA loan program and enable other veterans to take out loans as well.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this post, we explain what the VA funding fee is, why the fee is required, and how much a VA funding fee is. Read on to learn about the VA funding fee or navigate the article using the links below.\u00a0<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; padding: 0px 0px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link1\"><span style=\"font-weight: 400;\">What Is a VA Funding Fee?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link2\"><span style=\"font-weight: 400;\">Why Do VA Loans Include a Funding Fee?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link3\"><span style=\"font-weight: 400;\">How Much Is the VA Funding Fee?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link4\"><span style=\"font-weight: 400;\">Can I Get the VA Funding Fee Waived?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link5\"><span style=\"font-weight: 400;\">VA Funding Fee vs Private Mortgage Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"#link6\"><span style=\"font-weight: 400;\">Explore VA Loans Available From Griffin Funding<\/span><\/a><\/li>\n<\/ul>\n<h2 id=\"link1\"><span style=\"font-weight: 400;\">What Is a VA Funding Fee?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\"><span style=\"font-weight: 400;\">VA loans<\/span><\/a><span style=\"font-weight: 400;\"> extend several significant benefits to borrowers, they also come with a unique cost known as the <\/span><a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/funding-fee-and-closing-costs\/\"><span style=\"font-weight: 400;\">VA funding fee<\/span><\/a><span style=\"font-weight: 400;\">. The VA funding fee refers to a one-time fee that a borrower will pay to the Department of Veterans Affairs. The exact size of the funding fee will vary depending on a number of factors, but essentially everyone taking out a VA loan is required to pay it. Keep in mind, however, that in certain cases the VA funding fee can be waived\u2014we\u2019ll go into more detail about that in a later section.\u00a0<\/span><\/p>\n<div class=\"cta_banner gold_cta\" style=\"background:url(https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/gold-background-1.png)\"><h3>Download the Griffin Gold app today!<\/h3><p>Take charge of your financial wellness and achieve your homeownership goals <br><br>\r\nUse invitation code: <b>GRIFGOLD<\/b> to register.<\/p><div class=\"stores\"><a href=\"https:\/\/apps.apple.com\/us\/app\/griffin-gold\/id6460034387\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/apple-icon.svg\" \/><\/a><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.griffinfunding.gold\"><img decoding=\"async\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2024\/02\/google-store.svg\" \/><\/a><\/div><\/div>\n<h2 id=\"link2\"><span style=\"font-weight: 400;\">Why Do VA Loans Include a Funding Fee?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The VA funding fee can be significant, so why do VA loans ask you to pay a funding fee? The biggest reason why you are required to pay a VA funding fee is that the program needs to remain sustainable. By paying the VA funding fee, you are supporting the VA loan program and giving other service members and veterans access to these government-backed home loans<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Taking out a loan through the VA gives you access to numerous <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/top-4-benefits-of-va-loans\/\"><span style=\"font-weight: 400;\">VA loan benefits<\/span><\/a><span style=\"font-weight: 400;\"> that are not available to the traditional borrower. The funding for all of these benefits has to come from somewhere, and much of it comes from the government. That means that these benefits are also coming from various taxpayers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While this is a generous piece of legislation, the program cannot survive on taxpayer dollars alone. Therefore, the government has created a funding fee as a way to keep the program sustainable and to continue offering benefits to borrowers who have served the country.<\/span><\/p>\n<h2 id=\"link3\"><span style=\"font-weight: 400;\">How Much Is the VA Funding Fee?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So how much is the VA funding fee? If you are purchasing a home for the first time, you will have to pay 2.15 percent of the loan amount when you close on your house. If you are taking out a subsequent VA loan to purchase a house, you will have to pay a funding fee of 3.3 percent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For purchase loans, those using their VA loan benefit for the first time will have to pay a funding fee that ranges between 1.25% to 2.15% of the loan amount. After your first use, you will pay a VA funding fee between 1.25% and 3.3%.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For VA cash-out refinance loans, borrowers will pay a VA funding fee of 2.15% on their first use and 3.3% for every subsequent use. VA Interest Rate Reduction Refinance Loans (IRRRLs) come with a flat VA funding fee of 0.5% regardless of your down payment or how many times you\u2019ve used the loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you would like an easy chart that will explain the VA funding fee to you, take a look at the chart below:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-10491\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image3.png\" alt=\"\" width=\"1368\" height=\"683\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image3.png 1368w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image3-300x150.png 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image3-1024x511.png 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/04\/image3-768x383.png 768w\" sizes=\"auto, (max-width: 1368px) 100vw, 1368px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Keep in mind that the funding fee can change from time to time <\/span><span style=\"font-weight: 400;\">depending on changes in legislation.<\/span><span style=\"font-weight: 400;\"> You need to make sure you understand exactly how much money you might have to pay when you close on a house, so consider reaching out to a professional who can help you. It might be difficult to keep up with changes in funding fee legislation, but an expert can point you in the right direction.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">VA Funding Fee Exemptions<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are interested in taking out a VA home loan to repair, improve, build, or purchase a house, you will typically be required to pay a VA funding fee. The VA funding fee will also apply to you if you are refinancing a mortgage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, there are a few specific situations in which you might be able to get your VA funding fee waived. Some of the most important examples include:<\/span><\/p>\n<ul style=\"line-height: 1.5; font-size: 15px; padding: 0px 0px; color: #000; background: #fff;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Disability<\/b><span style=\"font-weight: 400;\">: If you can prove that you are <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/disability-and-va-home-loans\/\"><span style=\"font-weight: 400;\">receiving VA compensation for a disability<\/span><\/a><span style=\"font-weight: 400;\"> that is related to your time serving in the armed forces, you may be eligible to have the funding fee waived.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Active Pay<\/b><span style=\"font-weight: 400;\">: If you are eligible to receive VA compensation for a disability that you sustain during your time serving the military, but you are still receiving pay related to active duty service or retirement, you may be eligible to have the funding fee waived.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Surviving Spouse<\/b><span style=\"font-weight: 400;\">: If you are receiving dependency and indemnity compensation as a surviving spouse, you might be eligible to have the funding fee waived.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pre-Discharge Claim<\/b><span style=\"font-weight: 400;\">: If you have received a proposed or memorandum rating before the closing date of your loan, and that memorandum says that you are eligible for compensation because of a claim prior to discharge, you might be able to get the funding fee waived.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Purple Heart<\/b><span style=\"font-weight: 400;\">: If you have received a Purple Heart prior to the closing date of your loan, you may be able to get your funding fee waived.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you have to pay the funding fee now but certain factors change going forward, you may be able to get a refund. There might be a way for you to apply for a <\/span><span style=\"font-weight: 400;\">VA<\/span><span style=\"font-weight: 400;\"> funding fee refund down the road if your circumstances change.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">F<\/span><span style=\"font-weight: 400;\">or example, you might be applying for compensation related to a disability you sustained while serving in the armed forces. If your disability claim has not been approved by the time you close on your loan, you might not be able to get the funding for you waived. However, if you can show proof that the claim was approved later, and you can show that the disability was sustained before you closed on your house, you might be able to get your funding fee refunded to you.<\/span><\/p>\n<h2 id=\"link5\"><span style=\"font-weight: 400;\">VA Funding Fee vs Private Mortgage Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You may have heard that if you put less than 20<\/span><span style=\"font-weight: 400;\">%<\/span><span style=\"font-weight: 400;\"> down on your house, you might be required to pay private mortgage insurance, also known as PMI. Some people believe that the VA funding fee is simply VA loan private mortgage insurance or VA loan mortgage insurance. But, in reality, that is not the case.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">First, when you pay your VA funding fee, you have to pay it all at closing. With mortgage insurance, you typically pay a monthly premium, similar to other insurance policies. Even though the VA funding fee is designed to keep the mortgage program sustainable, which is also the purpose of traditional mortgage insurance, it is not identical to traditional mortgage insurance.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5628 size-full\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-1-1.png\" alt=\"\" width=\"512\" height=\"206\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-1-1.png 512w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2023\/03\/unnamed-1-1-300x121.png 300w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">A few important differences to note include:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">With a conventional loan, you are required to pay<\/span><span style=\"font-weight: 400;\"> PMI<\/span><span style=\"font-weight: 400;\"> monthly if your down payment is less than 20<\/span><span style=\"font-weight: 400;\">%<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you decide to take out an <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/fha-loans\/\"><span style=\"font-weight: 400;\">FHA loan<\/span><\/a><span style=\"font-weight: 400;\">, you are required to pay <\/span><span style=\"font-weight: 400;\">a mortgage insurance premium (MIP)<\/span><span style=\"font-weight: 400;\"> as well. This includes an upfront mortgage insurance payment and a monthly premium.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Therefore, you need to understand exactly what type of insurance you are paying, how often you have to pay it, and how much you need to pay. The process can be confusing, and that is why you need to reach out to a professional who has an in-depth understanding of <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-rates\/\"><span style=\"font-weight: 400;\">VA loan rates<\/span><\/a><span style=\"font-weight: 400;\"> and insurance premiums. We can help you with that.<\/span><\/p>\n<h2 id=\"link6\"><span style=\"font-weight: 400;\">Explore VA Loans Available From Griffin Funding<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are interested in applying for a VA loan, consider working with a professional who can help you find the right loan to meet your needs. At Griffin Funding, we have plenty of loan options available, whether you\u2019re looking for a <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\"><span style=\"font-weight: 400;\">VA loan<\/span><\/a><span style=\"font-weight: 400;\">, a <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/conventional-loans\/\"><span style=\"font-weight: 400;\">conventional mortgage<\/span><\/a><span style=\"font-weight: 400;\">, or a <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/\"><span style=\"font-weight: 400;\">non-QM mortgage<\/span><\/a><span style=\"font-weight: 400;\">. We understand that everyone comes from a slightly different background, and it would be our pleasure to help you find the right loan package for your upcoming real estate purchase.<\/span><\/p>\n<p><a href=\"https:\/\/griffinfunding.com\/blog\/how-to-apply-for-your-first-va-loan\/\"><span style=\"font-weight: 400;\">Apply for a VA loan<\/span><\/a><span style=\"font-weight: 400;\"> with our team today. We can help you qualify for competitive interest rates, get to the closing table at a time that is convenient for you, and finance the home of your dreams. <\/span><span style=\"font-weight: 400;\">We also offer free tools like the <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-calculator\/\"><span style=\"font-weight: 400;\">VA loan calculator<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-affordability-calculator\/\"><span style=\"font-weight: 400;\">VA loan affordability calculator<\/span><\/a><span style=\"font-weight: 400;\"> to help you estimate how much home you can afford and what a VA loan may look like for you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"#popmake-6804\">Reach out to us today<\/a> to start the process.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>VA loans are available to active-duty members of the military and veterans. With a VA loan, you can secure a home loan with a relatively low interest rate without supplying a down payment or paying private mortgage insurance (PMI). While these benefits are certainly nice, there is a price attached to them. That is where<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-funding-fee\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":5755,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[99],"tags":[],"class_list":["post-5625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-va-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>VA Funding Fee in 2026: What It Is, Chart, &amp; Exemptions | Griffin Funding<\/title>\n<meta name=\"description\" content=\"The VA funding fee is a cost you have to account for when taking out a VA loan. Learn what the VA funding fee is, why it exists, and how much it is.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-funding-fee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"VA Funding Fee Guide: How Much Is the VA Funding Fee in 2026?\" \/>\n<meta property=\"og:description\" content=\"The VA funding fee is a cost you have to account for when taking out a VA loan. 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