The VA Funding Fee


Purchase And Construction Loans

Note: In 2011, funding fees were lower from October 1 through October 5,
and November 18 through November 21. The enactment of Public Law 112-
56, signed November 21, 2011, established rates at the below levels through
September 30, 2016. The Honoring America’s Veterans and Caring for
Camp Lejeune Families Act of 2012, signed August 6, 2012, further extended
the rates through September 30, 2017.

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
 downpayment of at least 5 percent is made.

*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.