How to calculate the VA funding fee
To calculate the VA funding fee, multiply your base loan amount by the fee for your down payment tier and VA-use history. First use with $0 down is 2.15%; subsequent use at $0 down is 3.30%. Putting 5% down drops it to 1.50%, and 10% or more to 1.25%. Veterans with a 10%-or-higher disability rating pay $0. On a $475,000 first-use loan, that is $10,213.
Your situation
Your funding fee
| Base loan amount | $0 |
|---|---|
| Funding fee rate | 0% |
| Funding fee dollars | $0 |
| Total loan (financed) | $0 |
2026 VA funding fee tables (full reference)
| Down payment | First use | Subsequent use |
|---|---|---|
| Less than 5% | 2.15% | 3.30% |
| 5% to less than 10% | 1.50% | 1.50% |
| 10% or more | 1.25% | 1.25% |
Cash-out refi: 2.15% first use, 3.30% subsequent. VA IRRRL Texas: 0.50% flat. Disability rating 10%+ = waived in all cases.
How much is the VA funding fee in 2026?
For 2026, the VA funding fee on a first-use, $0-down purchase is 2.15% of the loan amount, that is $10,213 on a $475,000 loan. Subsequent use at $0 down runs 3.30%. Putting 5% down cuts any use to 1.50%, and 10% or more drops it to 1.25%. A VA IRRRL is a flat 0.50%. Veterans rated 10% or higher pay nothing. These rates hold through November 14, 2031.
Talk to an TX VA loan specialist about your numbers
Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, Nationwide Mortgage Licensing System (NMLS) #260555) reviews every result personally. No commitment, no pressure.
Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.