VA Approved Lender | Grove Mortgage LLC | NMLS License # 396191
VA Funding Fee requirements for a VA home Loan.

Facts and Information about the VA Funding Fee

In order to defray the cost of administering the VA home loan program, each veteran must pay a funding fee, unless the Veteran is Exempt from the fee..

For all types of VA loans, the loan amount may include the VA funding fee. 

VA Funding Fee Exemptions

Who is Exempt from Paying the Funding Fee?

The following persons are exempt from paying the funding fee:

  • Veterans receiving VA compensation for service-connected disabilities.
  • Veterans who would be entitled to receive compensation for service-connected disabilities if they did not receive retirement pay.
  • Veterans who are rated by VA as eligible to receive compensation as a result of pre-discharge disability examination and rating. 
  • Surviving spouses of veterans who died in service or from service-connected disabilities (whether or not such surviving spouses are veterans with their own entitlement and whether or not they are using their own entitlement on the loan).

The VA home loan funding fee is required by law and differs for different down payment amounts and whether the VA loan is a first or consecutive one.

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VA Funding Fee Tables

Type of Veteran Down payment Percentage for
First time Use
Percentage for
Subsequent Use
Regular Military None 2.15% 3.3% *
5% or more 1.50% 1.50%
10% or more 1.25% 1.25%
Reserves/National Guard None 2.4% 3.3% *
5% or more 1.75% 1.75%
10% or more 1.5% 1.5%

Loan Types

Type of Loan Percentage for Either Type of Veteran Whether First Time or Subsequent Use
IRRRLs .50%
Manufactured Home Loans (NOT permanently affixed) 1.00%
Loan Assumptions .50%

*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.

Why choose Grove Mortgage for your VA Home loan?

  • VA Approved Lender
  • Licensed Mortgage Broker
  • Servicing only our great State of Texas
  • Located in San Antonio, Texas
  • Specializing in VA Loans since 2002
  • 95% of our business is VA Loans for the last 10 years

We can help you accomplish your VA home purchase or VA home refinance with expert service, fast closing and very low fees.

To speak with a VA home loan specialist call
210-656-1134 or
Apply Online Now!

Find out how much you qualify for with No Cost, No Credit Check, and No Obligation!