VA Tools 2017-05-11T15:36:05-07:00

VA Tools

VA Funding Fee Chart (as of 12/05/2013)

Note: The funding fee for ALL subsequent use loans closed on or after October 1, 2006, and before October 1, 2007, is 3.35 percent. This applies to all purchase loans where no down payment of 5 percent or more is made as well as cash-out refinances where the fee would have been 3.3 percent. Effective October 1, 2007, the subsequent use fee reverts back to 3.3 percent.

Purchase and Construction Loans:

Type of Veteran Down Payment % For First Time Use % For Subsequent Use
Regular Military None 2.15% 3.3%
5% or more (up to 10%) 1.50% 1.50%
10% or more 1.25% 1.25%
Reserves/National Guard None 2.4% 3.3%
5% or more (up to 10%) 1.75% 1.75%
10% or more 1.5% 1.5%


Cash-Out Refinancing Loans:

Type of Veteran % For First Time Use % For Subsequent Use
Regular Military 2.15% 3.3%
Reserves/National Guard 2.4% 3.3%

*The higher subsequent use fee does not apply to these types of loans if the veteran’s only prior use of entitlement was for a manufactured home loan.

Other VA Loan Scenarios

Type of Loan
IRRRLs .50%
Manufactured Home Loans (NOT permanently affixed) 1.00%
Loan Assumptions .50%

Call a licensed Residential Mortgage Loan Originator today to learn more before the funds for this once in a lifetime program are gone: 866-923-3222.

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