Who Is Exempt from the Funding Fee?
Who Is Exempt from the VA Funding Fee?
Who Qualifies for a Funding Fee Waiver
How We Confirm Exemption
What Exemption Saves
Common Misconceptions
Keep Exploring
Related Blog Posts
Frequently Asked Questions
Confirm Your Fee Waiver
Service-connected disability compensation, certain Purple Heart recipients, and many eligible surviving spouses can waive the one-time VA funding fee entirely — often saving thousands on a purchase or refinance.
If you are exempt, the one-time VA funding fee is $0 — which can save thousands on a purchase or refinance.
Exemption is not something you “claim” at closing without documentation. Lenders verify it through your COE and, when needed, VA systems.
On a $350,000 zero-down purchase at a 2.3% first-use fee, exemption can remove about $8,050 from the loan amount — lowering both cash-to-close pressure and monthly payment.
Clearing these up early avoids surprise fees on your Closing Disclosure.
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Related guides to help you compare options and move toward pre-approval.
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Recent articles from our blog on VA loans, funding fees, entitlement, and veteran homebuying.
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Ryan & Steve will pull your COE, verify disability or surviving-spouse status, and show you the dollar difference between exempt and non-exempt scenarios.
- window.open('https: VA Overview Who Qualifies for a Funding Fee Waiver If you are exempt, the one-time VA funding fee is $0 — which can save thousands on a purchase or refinance. How We Confirm Exemption Exemption is not something you “claim” at closing without documentation. Lenders verify it through your COE and, when needed, VA systems. What Exemption Saves On a $350,000 zero-down purchase at a 2.3% first-use fee, exemption can remove about $8,050 from the loan amount — lowering both cash-to-close pressure and monthly payment. Common Misconceptions Clearing these up early avoids surprise fees on your Closing Disclosure. Keep Exploring Related guides to help you compare options and move toward pre-approval. 2MG Daily Related Blog Posts Recent articles from our blog on VA loans, funding fees, entitlement, and veteran homebuying. {blogLoading ? ( ) : blogError ? ( Try Again