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Based on VA home-loan statutory authority at 38 U.S.C. § 3703 and VA’s funding-fee schedule published at VA.gov. This page is a free community resource. We are not VA-accredited and do not file claims or provide legal advice (per 38 U.S.C. § 5904).
Last reviewed: April 2026 · Next review: October 2026
Maintained by: Veterans Benefits Navigator editorial team. Every citation links to a primary federal or state source. See editorial standards and our privacy posture.
Primary sources: 38 U.S.C. § 3703 (Basic provisions relating to loan guaranty), 38 CFR § 36.4302 (Computation of guaranty), VA.gov VA-backed home loans
VA home loans may not require a down payment, private mortgage insurance, or a minimum credit scoreVA.gov home loans overview†. Entitlement is set by the loan-guaranty statute at 38 U.S.C. § 370338 U.S.C. § 3703† and depends on your service category and history.
Veterans who served on active duty.
Basic entitlement: $36,000
Service requirements:
Currently serving on active duty.
Basic entitlement: $36,000
Service requirements:
Guard and Reserve members.
Basic entitlement: $36,000
Service requirements:
Un-remarried surviving spouse of a veteran who died in service or from a service-connected disability.
Basic entitlement: $36,000
Service requirements:
Most VA loans require a one-time funding fee. Veterans with a service-connected disability may be exempt.
| Loan Type | First Use | Subsequent Use |
|---|---|---|
| Purchase/construction (no down payment) | 2.15% | 3.3% |
| Purchase/construction (5%+ down payment) | 1.5% | 1.5% |
| Purchase/construction (10%+ down payment) | 1.25% | 1.25% |
| Cash-out refinance | 2.15% | 3.3% |
| Interest Rate Reduction Refinance (IRRRL) | 0.5% | 0.5% |
You may be exempt from the funding fee if any of the following apply:
Entitlement amounts and funding fee rates are estimates based on current published schedules. Actual entitlement is determined by the VA based on your complete service record.
Rates as of 2026 · Last reviewed Apr 2026
This tool is not affiliated with the Department of Veterans Affairs. We are not accredited agents, attorneys, or claims agents, and do not file claims or provide legal advice per 38 U.S.C. § 5904. For official loan information, contact a VA-approved lender or your local VA regional loan center.