Your situation
Your funding fee
$0
—
| Base loan amount | $0 |
|---|---|
| Funding fee rate | 0% |
| Funding fee dollars | $0 |
| Total loan (financed) | $0 |
Important: If you get a disability rating AFTER closing that retroactively makes you eligible for the waiver, you can request a REFUND of the funding fee from the VA Regional Loan Center. We flag this for every eligible client and point you to the VA's refund process.
2026 VA funding fee tables (full reference)
| Down payment | First use | Subsequent use |
|---|---|---|
| Less than 5% | 2.15% | 3.30% |
| 5% to less than 10% | 1.50% | 1.50% |
| 10% or more | 1.25% | 1.25% |
Cash-out refi: 2.15% first use, 3.30% subsequent. IRRRL: 0.50% flat. Disability rating 10%+ = waived in all cases.
Talk to an SC VA loan specialist about your numbers
Have a question about what this calculator showed you? Mike Certo (Cornerstone First Mortgage, Nationwide Mortgage Licensing System (NMLS) #260555) reviews every result personally. No commitment, no pressure.
Estimates only. Not a commitment to lend. Actual VA loan terms depend on full underwriting including credit, income, assets, property appraisal, residual income, and VA entitlement. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.