HOW MUCH IS IT

VA Funding Fee
Calculator

Estimate the VA funding fee, total financed loan amount, monthly payment impact, and cash due at closing for a VA purchase or IRRRL.

VA FUNDING FEE CALCULATOR

Build Your Plan

01

LOAN TYPE

Choose the VA Financing Structure

VA-BACKED PURCHASE LOAN

The funding-fee rate depends on down payment and whether this is the first use of the VA home-loan benefit.

The funding fee is calculated as a percentage of the base loan amount, not the purchase price.

02

LOAN AMOUNT

Enter the Purchase or Refinance Details

$500,000
$50K$3M
%
Quick Select
$
03

BENEFIT USAGE & EXEMPTION

Choose the Applicable Funding-Fee Status

✓

Possible exemptions: Certain borrowers receiving or eligible for VA disability compensation, qualifying surviving spouses receiving DIC, eligible pre-discharge claimants, and active-duty Purple Heart recipients may be exempt. The lender must confirm the official status.

04

FINANCING ASSUMPTIONS

Estimate the Payment Effect of Financing the Fee

%
Quick Select
$
$

On a VA purchase or construction-permanent loan, only the VA funding fee may generally be financed into the loan. Other closing costs must be paid at closing or covered through permitted credits.

ESTIMATED VA FUNDING FEE

$0
Fee Financed

Estimated fee based on the selected loan type, benefit usage, down payment, and exemption status.

0.00% funding-fee rate Not exempt
Base Loan Amount$0
Funding-Fee Rate0.00%
Total Loan if Fee Is Financed$0
Estimated Cash Due at Closing$0
Payment Without Financed Fee $0
Payment With Financed Fee $0
Monthly Payment Impact $0
Total Interest on Financed Fee $0
i

GOLDEN OAK INSIGHT

The fee can generally be financed or paid at closing.

Financing reduces upfront cash but increases the loan balance, monthly payment, and interest paid over time.

FINANCING THE FUNDING FEE

$0/mo

Fee financed
Funding Fee Paid at Closing$0
Funding Fee Added to Loan$0
Total Payments Attributable to Fee$0
Estimated Down Payment$0

VA FUNDING FEE RATE GUIDE

See the Current Rate Structure Used by the Planner

The streamlined guide below focuses on the two VA products offered through this planner: purchase loans and VA IRRRL streamline refinances.

VA PURCHASE — FIRST USE

1.25%–2.15%

Less than 5% down2.15%
5% to 9.99% down1.50%
10% or more down1.25%

VA PURCHASE — AFTER FIRST USE

1.25%–3.30%

Less than 5% down3.30%
5% to 9.99% down1.50%
10% or more down1.25%

VA IRRRL

0.50%

First use0.50%
After first use0.50%
Down payment tierNot applicable

OFFICIAL VA RESOURCE

Confirm Current Funding-Fee Rules

VA

U.S. DEPARTMENT OF VETERANS AFFAIRS

VA Funding Fee and Loan Closing Costs

Review current funding-fee percentages, payment options, exemptions, and closing-cost information directly from VA.

Open Official VA Resource →

NEXT PLANNING TOOLS

Continue Planning

Mortgage Payment CalculatorBuild a complete housing payment using principal, interest, taxes, insurance, mortgage insurance, and HOA.
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Closing Cost CalculatorEstimate down payment, fees, prepaids, escrows, credits, and total cash needed to close.
→
VA IRRRL CalculatorCompare an existing VA loan with a modeled streamline refinance scenario.
→

YOUR CERTIFICATE OF ELIGIBILITY CONTROLS THE FEE STATUS

Confirm the Funding Fee Before Finalizing the Loan

A personalized review can confirm first-use status, exemption eligibility, entitlement, loan purpose, fee financing, seller-paid costs, lender credits, and the final VA loan amount.

Review Plan >

This planner provides estimates for educational purposes only and does not constitute a VA eligibility determination, funding-fee exemption decision, Certificate of Eligibility review, loan approval, rate quote, closing disclosure, financial advice, or commitment to lend. The Department of Veterans Affairs and the lender determine the official funding-fee status and amount. Rates, exemptions, loan purposes, calculations, and financing treatment may change. Use the official Loan Estimate, Certificate of Eligibility, and lender calculation for the transaction.