VA Loan Funding Fee 2027
VA funding fee 2027: first time 2.15% (active duty, no down), subsequent 3.3%. Disability 10%+ rating exempts. Financed into loan typically.
| Loan amount | — |
| First-time VA? | — |
| Down payment | — |
| Service type | — |
| Applicable rate | — |
| Funding fee | — |
VA loans require a funding fee paid to the VA — typically 2.15% for first-time use with no down payment, 3.3% for subsequent VA loans. Active duty members with 10%+ disability rating are EXEMPT. Surviving spouses of veterans killed in action also exempt.
Fee Schedule 2027
First-time use, 0% down: 2.15%. First-time + 5% down: 1.5%. First-time + 10% down: 1.15%. Subsequent use, 0% down: 3.3%. Subsequent + 5% down: 1.5%. Subsequent + 10% down: 1.25%. Cash-out refinance: 3.3%. IRRRL streamline: 0.5%.
Exemptions
Service-connected disability 10%+ rating: EXEMPT. Surviving spouse (KIA): EXEMPT. Purple Heart recipient: EXEMPT since 2020. Currently active duty with Purple Heart: EXEMPT. Must show VA award letter or DD-214 with relevant codes.
Reservist Changes 2020
Pre-2020: reservist/National Guard paid higher fees. The Blue Water Navy Vietnam Veterans Act (2020) standardized fees. Now reservists and active duty pay the SAME rates. Major fairness improvement.
Last updated May 2026. Sources: VA Home Loan Fees.