VA Loan Funding Fee Calculator

Calculate VA loan funding fee based on service type, down payment, and usage.

By Konstantin Iakovlev · Updated April 2026 · Source: CFPB — Owning a Home

$
VA Loan Usage

Funding Fee

$7,525.00

Total Loan

$357,525.00

Fee Breakdown

Base Loan$350,000.00
Funding Fee (2.15%)$7,525.00
Total Financed$357,525.00

Use the VA Loan Funding Fee Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Every VA-backed mortgage carries a one-time funding fee, and this tool estimates what yours will run using the 2026 fee schedule. The amount matters to your planning because borrowers rarely pay it in cash at closing. Instead it gets folded into the loan, which nudges your principal, your monthly payment, and the total interest you pay over the life of the mortgage upward.

To find the fee, the calculator multiplies your loan amount by the rate that fits your situation. That rate depends on your service category (active duty versus reserves, for example), whether this is your first VA loan or a later one, and how much you put down. In 2026, a first-time borrower with no down payment generally faces a 2.15% fee, while a repeat borrower with no down payment pays 3.30%. The tool applies whichever tier matches your inputs to the loan amount you enter.

One detail catches borrowers off guard: certain veterans owe nothing at all. If you receive VA compensation for a service-connected disability, you may be exempt from the funding fee entirely, which can meaningfully lower the cost of the loan. Confirm your disability status before assuming the fee applies, since the exemption changes the math considerably.

Example: First-Time Active Duty Borrower with No Down Payment

  1. 1 Let's say a first-time active duty borrower is purchasing a home for $350,000 with a VA loan and makes a 0% down payment.
  2. 2 Based on 2026 VA guidelines, a first-time user with no down payment has a funding fee of 2.15%. Therefore, the calculation is $350,000 (loan amount) * 0.0215 (funding fee rate).
  3. 3 The estimated VA loan funding fee for this scenario would be $7,525.
  4. 4 This $7,525 funding fee will typically be added to the principal loan amount, making the total loan $357,525, which will then be used to calculate monthly payments and total interest over the loan's term.

Source: CFPB — Owning a Home · Last updated: April 2026

Frequently Asked Questions

How much is the VA loan funding fee?
For first-time use with no down payment, the funding fee is 2.15% of the loan amount. With 5% down it drops to 1.5%, and with 10%+ down it is 1.25%. Subsequent use with no down payment is 3.3%. The fee can be financed into the loan.
Who is exempt from the VA funding fee?
Veterans receiving VA disability compensation, Purple Heart recipients on active duty, and surviving spouses receiving Dependency and Indemnity Compensation are exempt. The fee is waived if you have a pending disability claim that is later approved, and you may receive a refund.
Can I roll the VA funding fee into my loan?
Yes. Most veterans finance the funding fee into the loan amount rather than paying it upfront at closing. On a $300,000 loan with a 2.15% fee ($6,450), your total loan becomes $306,450. This slightly increases your monthly payment but eliminates the upfront cost.

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