Estimate your VA funding fee in seconds with current 2026 rates for purchases, cash-out refinances, and IRRRL streamlines. This VA funding fee calculator handles first-use vs. subsequent-use pricing, down-payment discounts, and full exemptions for service-connected disability. Run the number for your VA loan in Texas, then size the home price with our VA affordability calculator.
Note: The Funding Fee for VA can either be paid upfront at closing or added into your loan amount.
Total
$408,600
Veterans who receive disablitiy compensation from the VA for a service-connected condition, or those eligible but receiving retirement pay instead, typically dont have to pay the funding fee. Surviving spouses of service members who passed in the line of duty or due to a service-connected condition are also exempt.
Most buyers decide to roll the funding fee into their loan so they dont have to bring that cost to closing. The numbers shown above reflect what your total loan amount would look like if the fee is financed. Make sure the higher payment still passes your VA residual income calculator check.
You can also get help from a VA Loan Expert.
Get up to $5,000 in lender credits towards your closing costs when you use STX Lending for your new home purchase or refinance.
