VA Funding Fees Tables
VA-backed purchase and construction loans
Rates for Veterans, active-duty service members, and National Guard and Reserve members
| If your down payment is... | Your VA Funding Fee will be... | |
|---|---|---|
| First use | Less than 5% | 2.15% |
| 5% or more | 1.50% | |
| 10% or more | 1.25% | |
| After first use | Less than 5% | 3.30% |
| 5% or more | 1.50% | |
| 10% or more | 1.25% |
Note: If you only used a VA-backed or VA direct home loan to purchase a manufactured home in the past, you’ll still pay the first-time funding fee.
VA-backed cash-out refinancing loans
Rates for Veterans, active-duty service members, and National Guard and Reserve members
| First use | After first use |
|---|---|
| 2.15% | 3.30% |
Note: The VA funding fee rates for refinancing loans don’t change based on your down payment amount. If you used a VA-backed or VA direct home loan to purchase a manufactured home, you only need to pay the first-time use funding fee.
Native American Direct Loan (NADL)
| Type of use | VA Funding Fee |
|---|---|
| Purchase | 1.25% |
| Refinance | 0.5% |
Note: The VA funding fee rate for this loan doesn’t change based on your down payment amount or whether you’ve used the VA home loan program in the past.
Other VA home loan types
| Loan Type | VA Funding Fee |
|---|---|
| Interest Rate Reduction Refinance Loan (RRRLs) | 0.5% |
| Manufactured Home Loans (not permanently affixed) | 1.0% |
| Loan assumptions | 0.5% |
| Vendee loan for purchasing VA-acquired property | 2.25% |
Note: The VA funding fee rates for these loans don’t change based on your down payment amount or whether you’ve used the VA home loan program in the past.
