VA funding fee is reuqired by law and can be rolled into the loan, as long as the loan does not exceed a certain amount.
Survivors who spouses were killed as a result of military duty, are exempt of the VA funding fee.
Veterans who are disable as a result of the service are also exempt.
Type of VA Loan
VA-eligible service
First-time Fee
Subsequent Fee
Purchase or Construction
Regular Military
2.15%
3.3%
Purchase or Construction
Reserves/National Guard
2.4%
3.3%
Cash-out Refinance
Regular Military
2.15%
3.3%
Cash-out Refinance
Reserves/National Guard
2.4%
3.3%
Assumptions
All
.5%
.5%
IRRRL (Streamlines)
All
.5%
.5%
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