VA funding fee — budget for it unless you are exempt

VA publishes funding-fee rules and exemption categories. Percentages can differ by first use vs subsequent use, down payment, and loan type (purchase vs IRRRL vs cash-out). Your Loan Estimate should show how your lender treats the fee.

Practical buyer moves

• Ask whether you may be exempt (disability compensation and related categories — see exemption page)
• Compare estimates with the fee financed vs paid in cash if both options appear
• Do not ignore the fee when someone quotes only a “rate”

Official exemption details: disability funding fee exemption. Ashley can confirm how the fee appears on your estimate; MoJo does not set or waive the fee.

Roles stay split

Related reading

• Fee exemption
• Compare LEs
• Closing costs