Need help understanding the VA Funding Fee or VA Home Loan closing costs? This page details VA Closing Costs for VA Home Purchases, VA Refinances, and VA Streamline Refinances. Understanding VA Closing Costs is the first step to obtaining a VA Home Loan with the Lowest VA Mortgage Rates available!

VA Funding Fee Tables

Purchase Loans

Type of Veteran

Down Payment

Percentage for First Time Use

Percentage for Subsequent Use

Regular Military

None

5- 9.99%

10% or more

2.15%

1.50%

1.25%

3.3%*

1.5%

1.25%

Reserves/ National Guard

None

5- 9.99%

10% or more

2.4%

1.75%

1.5%

3.3%*

1.75%

1.5%

Cash Out Refinance Loans

Type of Veteran	Percentage for First Time Use	Percentage for Subsequent Use
Regular Military	2.15%	3.3%*
Reserves/ National Guard	2.4%	3.3%*

* 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

Interest Rate Reduction Loans (VA streamline refinance), Manufactured Homes, and Assumptions

Type of Loan	Percentage for Either Type of Veteran Whether First Time or Subsequent Use
Interest Rate Reduction Refinancing Loans (VA to VA refinance)	0.50%
Manufactured Housing Loans	1.00%
Loan Assumptions	0.50%

VA Quick Quote

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