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VA Funding Fee 2026: Rates, Waivers, and How to Pay It
The 2026 VA funding fee ranges from 0.5% (IRRRL) to 3.3% (subsequent use cash-out). Here's the full table and every way to reduce or waive it.
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Bolt Home Loans LLC Editorial Team
Editorial Team ·
Published May 30, 2026· Updated Jun 2 7 min read
The VA funding fee funds the VA loan program itself — it's why the VA can guarantee $0-down loans with no PMI. It applies to every VA loan unless you qualify for a waiver, and the exact percentage depends on loan type, down payment, and whether it's your first VA loan.
2026 funding fee table
- Purchase / cash-out — first use, 0% down: 2.15%
- Purchase / cash-out — first use, 5%+ down: 1.50%
- Purchase / cash-out — first use, 10%+ down: 1.25%
- Purchase / cash-out — subsequent use: 3.30%
- IRRRL streamline (any use): 0.50%
Automatic waiver if you have any VA disability rating
Any VA-rated service-connected disability — even 10% — waives the funding fee entirely. Same for Purple Heart recipients and surviving spouses receiving DIC.
About the author
Bolt Home Loans LLC Editorial Team
Editorial Team ·
Content reviewed by licensed mortgage professionals at Bolt Home Loans LLC, NMLS #2784913.