Funding Fee Tables
Funding Fee Tables
Purchase And Construction Loans The enactment of Public Law 112-56 established funding fee rates at the levels in the following tables. Public Law 115-182 extended these rates through September 30, 2028.
Type of Veteran
Regular Military
Reserves/National Guard
Down payment
None 5% or more 10% or more
None 5% or more 10% or more
Percentage for First time Use
2.15% 1.50% 1.25%
2.4% 1.75% 1.5%
Percentage for Subsequent Use
3.3% * 1.50% 1.25%
3.3% * 1.75% 1.5%
Cash-Out Refinancing Loans:
Note: There are no reduced funding fees for regular refinances based on equity. Reduced fees only apply to purchase loans where a down payment of at least 5 percent is made.
Type of Veteran
Percentage for First Time Use Percentage 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.
Type of Loan
IRRRLs Manufactured Home Loans (NOT permanently affixed) Loan Assumptions
Percentage for Either Type of Veteran Whether First Time or Subsequent Use .50%
1.00%
.50%
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