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VA Funding Fee Calculator

Your funding fee depends on three things: how much you put down, whether this is your first VA loan, and your disability rating. Run yours.

By Mike Certo, NMLS #260555 —

Your situation

Loan basics
Base loan, before funding fee. Median AZ VA loan is around $475K.
Your VA history
Subsequent use = you've used your VA benefit before, even if previously paid off.
Veterans rated 10% or higher pay no funding fee. Surviving spouses of KIA/DSC also waived.

Your funding fee

$0 —
Base loan amount$0
Funding fee rate0%
Funding fee dollars$0
Total loan (financed)$0
Important: If you get a disability rating AFTER closing that retroactively makes you eligible for the waiver, you can request a REFUND of the funding fee from the VA Regional Loan Center. The refund is a VA process — start at va.gov, and we'll point you to the right documents.
2026 VA funding fee tables (full reference)
Down paymentFirst useSubsequent use
Less than 5%2.15%3.30%
5% to less than 10%1.50%1.50%
10% or more1.25%1.25%

Cash-out refi: 2.15% first use, 3.30% subsequent. IRRRL: 0.50% flat. VA-exempt status (service-connected disability compensation, DIC surviving spouses, qualifying memorandum ratings, active-duty Purple Heart recipients) = waived in all cases.

Talk to an AZ VA loan specialist about your numbers

Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, NMLS #260555) reviews every result personally. No commitment, no pressure.

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Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.