VA Calculator

VA Funding Fee Calculator

Q: Who is exempt from the funding fee?

Veterans with a VA disability rating of 10% or higher, surviving spouses receiving dependency benefits, and active-duty recipients of the Purple Heart are exempt.

Q: Why is the fee higher for subsequent use?

The VA charges a higher fee for subsequent use at 0% down (3.3% vs 2.15%) to account for the additional risk. Making a 5%+ down payment reduces the fee to 1.5% regardless of use.

Calculate your VA funding fee based on loan type, service history, down payment, and disability exemption status.

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Loan Details

Base Loan Amount

Loan Type

Down Payment (%)

First VA Loan Use?

Service Type

Exempt from Funding Fee?

VA Funding Fee$7,525

Funding Fee Rate2.15%

Base Loan Amount$350,000

Funding Fee$7,525

Total Loan (if Financed)$357,525

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Your advisor calculates the exact fee and explains exemptions during consultation.

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All loans are subject to borrower qualification, underwriting approval, and program guidelines.

Important Notes

The VA funding fee can be financed into the loan or paid at closing. Fee percentages are set by Congress and may change. This calculator reflects current published rates. Verify your exemption status and exact fee with your VA advisor.

This calculator reflects published VA funding fee rates as of the latest update. Actual fees may vary. This is not a commitment to lend. Airus Lending is a mortgage broker (NMLS #2187418).

Can I finance the funding fee?

Yes. Most VA borrowers choose to finance the funding fee into their loan, so there is no additional out-of-pocket cost at closing.

Who is exempt from the funding fee?

Why is the fee higher for subsequent use?

VA Funding Fee Calculator

Loan Details

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Important Notes

VA Funding Fee FAQs

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