VA Loan Funding Fee 2026: What Veterans Need to Know
The VA funding fee is a one-time cost on VA home loans. Learn the 2026 rates and exemptions.
Frequently Asked Questions
How much is the VA funding fee in 2026?
For first-time use with zero down, it is 2.15% for regular military and 1.5% for Reserves/National Guard. Subsequent use with zero down is 3.3%.
Can the VA funding fee be waived?
Yes. Veterans receiving VA disability compensation and surviving spouses of those who died in service are exempt from the funding fee.
Do I pay the VA funding fee out of pocket?
No. The fee is financed into your loan amount, so it is paid off over the life of the mortgage as part of your monthly payment.
Related Programs
- FHA Loans — 3.5% down payment, credit scores from 580, ideal for first-time home buyers
- VA Loans — Zero down payment for veterans, active-duty military, and surviving spouses
- Conventional Loans — Fannie Mae and Freddie Mac, financing up to 97%, credit from 620
- Jumbo Loans — For properties exceeding 2026 conforming loan limits ($832,750 most counties)
- Non-QM Loans — Bank statement loans for self-employed, 1099 income, DSCR, and ITIN loans