VA funding-fee percentages, first-use vs subsequent use, and how it can be financed. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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Funding Fee
The VA funding fee is a one-time charge that helps keep the program running for future veterans — not monthly mortgage insurance. It is often financed into the loan, and many disability-rated veterans pay $0.
A one-time fee that funds the VA loan program — not monthly mortgage insurance.
These ranges match the funding-fee tiers we use on our VA payment calculator. Exact percentages depend on first vs subsequent use, down payment, and loan type — and can change with VA updates.
Ryan and Steve run your numbers on the live calculator so you see fee dollars, total loan amount, and payment side by side.
FHA and many conventional low-down loans charge monthly MI for years. VA replaces that with a one-time funding fee — and many disability-rated veterans pay $0.
Related guides to help you compare options and move toward pre-approval.
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We will confirm first vs subsequent use, exemption status, and whether financing the fee or paying cash fits your plan — then lock a clear payment picture.