Military Home Tools

VA Funding Fee Calculator

Estimate the VA funding fee on a purchase loan and compare the monthly payment with a conventional loan.

Updated October 2026 · Rudy Flores

See the VA funding fee on your loan, what it adds to the loan or to your closing cash, and how the monthly payment compares with a conventional loan.

Rates in this calculator are the VA's funding-fee rates for purchase loans, as listed on VA.gov in October 2026. They can change, so confirm with the VA and your lender.

Home price

VA loan down payment

VA loans can be used with no down payment for eligible borrowers. The fee drops at 5% and 10% down.

Have you used your VA loan benefit before?

Exempt from the funding fee?

Some veterans, such as many with a service-connected disability, do not pay the fee. VA.gov explains who qualifies; your lender can confirm.

How will you pay the fee?

VA loan interest rate

Starts at the Freddie Mac average for the week of Oct 1, 2026. Use your lender’s quote when you have one.

Loan term

Property tax rate

Homeowners insurance

HOA dues per month

Conventional loan down payment (for the comparison)

Conventional interest rate

VA and conventional rates differ; use your lender’s quotes for both.

Conventional mortgage insurance

Charged until you reach 20% down or equity. The real figure depends on credit and down payment; ask a lender.

Want this as a personal plan?

Send this estimate to Rudy and he will follow up with a personalized version, no pressure.

This is an estimate for planning. It is not a loan offer, a pre-approval or a rate quote, and it does not decide whether a lender will approve you. Rudy is a real estate agent, not a lender.

The funding fee table

For a purchase loan, VA.gov lists the funding fee for regular military, National Guard and Reserve borrowers like this:

VA funding fee on a purchase loan (as listed on VA.gov, October 2026)
Down payment	First use	After first use
Less than 5%	2.15%	3.3%
5% or more (less than 10%)	1.5%	1.5%
10% or more	1.25%	1.25%

Read the VA’s own funding-fee page for exemptions and for refinance rates, which are different.

VA Funding Fee Calculator

Want this as a personal plan?

The funding fee table

More from Rudy

Ready to Talk Numbers?