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VA Funding Fee Calculator
Estimate your VA funding fee based on loan amount, down payment, loan type, and prior usage.
Mike Starr·Reviewed August 2026
$400,000
0%
Loan Type
VA Funding Fee
$8,600
2.15% of loan amount
Total Loan Amount (with fee financed)
$408,600
Funding Fee if Paid at Closing
$8,600
Purchase Loan Funding Fee Rates
| Down Payment | First Use | Subsequent |
|---|---|---|
| < 5% | 2.15% | 3.30% |
| 5% – 9.99% | 1.50% | 1.50% |
| 10%+ | 1.25% | 1.25% |
The funding fee can be financed into the loan or paid upfront at closing. Financing adds a small amount to your monthly payment and total interest over the life of the loan.