Do veterans with a disability rating pay the VA funding fee?

No. Veterans receiving VA compensation for a service-connected disability are exempt from the VA funding fee.

Can I get my VA funding fee refunded if I'm rated after closing?

Possibly. VA says you may get a refund if you're later awarded compensation with an effective date before your loan closing date. Call your VA regional loan center.

What is the funding fee to assume a VA loan?

0.5% of the loan balance, unless the person assuming the loan is exempt.

Your VA Rating and Your VA Home Loan

Rated veterans are exempt from the VA funding fee, and a rating with an effective date before closing can mean a refund. Plus how VA loan assumptions work.

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What members get here

🔒 Who doesn't pay the funding fee
🔒 Rated after closing? Ask about a refund
🔒 Assuming a VA loan (taking over someone's mortgage)
🔒 Related guides & tools
🔒 Anchors Aweigh: Plan of the Day