Estimate your VA funding fee for purchases, cash-out refinances, and IRRRL streamlines using the VA fee schedule in effect since April 7, 2023. This VA funding fee calculator handles first-use vs. subsequent-use pricing, down payment tiers, and exemptions. Run the number for your VA loan in Texas, then size the home price with our VA affordability calculator.
Note: The VA funding fee can either be paid upfront at closing or added into your loan amount. VA loan assumptions (0.5%) and manufactured home loans not permanently affixed (1%) use different fees and are not covered here.
Total
$408,600
You do not pay the funding fee if you are a veteran receiving VA disability compensation for a service-connected condition (or entitled to it, including if you get retirement or active duty pay instead), a Purple Heart recipient on active duty, or a surviving spouse receiving Dependency and Indemnity Compensation (DIC).
Most buyers roll the funding fee into their loan so they do not 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.
Bring us a competing Loan Estimate and we will beat it on total lending cost, or tell you straight if we cannot.
TermsWe close Texas loans in 21 days. If we miss that on our end, you get a $1,000 credit toward closing costs.
TermsBuyers referred by a partner agent get up to $1,500 toward closing costs, applied as a lender credit.
TermsEach perk has eligibility rules and limits on its page. Credits apply at closing and cannot be used toward the down payment.
You can also get help from a VA Loan Expert.
Related: check the credit score for VA loans, see how the fee fits your county ceiling in the VA loan limit calculator, read the VA flipping guidelines, learn about the IRRRL refinance, and compare payments in our monthly payment calculator.
Talk with a loan officer about your VA purchase or refinance and what your funding fee will be.
