What is the VA funding fee in 2026, and who is exempt?

The VA funding fee is a percentage of the loan amount charged by the Department of Veterans Affairs to help fund the VA loan program, with the exact rate depending on down payment size and whether it's a first or subsequent use of the benefit. Veterans receiving VA disability compensation are generally exempt from paying it, along with certain surviving spouses. Brian Beatty can connect a veteran buyer with a VA lender who confirms current fee and exemption details for their specific situation.