VA Funding Fee Calculator (Arizona) | First Use, Subsequent, Disability Waiver

Your situation

Loan basics

Loan amount

Base loan, before funding fee. Median AZ VA loan is around $475K.

Down payment

Your VA history

First VA loan use?

Subsequent use = you've used your VA benefit before, even if previously paid off.

VA disability rating

Veterans rated 10% or higher pay no funding fee. Surviving spouses of KIA/DSC also waived.

Pay fee at close or finance into loan?

Your funding fee

$0 —

Base loan amount	$0
Funding fee rate	0%
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 payment	First use	Subsequent use
Less than 5%	2.15%	3.30%
5% to less than 10%	1.50%	1.50%
10% or more	1.25%	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. See the 5 exact VA exemption categories for who actually qualifies.

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.

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.