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Brought to you by 7th Level Mortgage LLCApply Now VA home loans and Veterans guide
Check the current VA chart and exemption status before treating an estimated fee as final.
Check the current VA chart and exemption status before treating an estimated fee as final. This guide is educational. The applicable lender, VA or investor rules and the facts of your transaction control the outcome.
The applicable VA funding fee can depend on the type of VA loan, down payment and whether the benefit has been used before. An IRRRL has a different fee structure from a purchase or cash-out refinance. Read the current VA chart rather than relying on an old article or fixed quote.
Certain qualifying disability-compensation recipients, surviving spouses and active-duty Purple Heart recipients may be exempt under VA's stated rules. A lender should verify the actual exemption status and show the result on the transaction's disclosures.
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Frequently asked question
No. VA lists exemption categories; the lender must confirm whether one applies to the borrower.
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