The VA Funding Fee: Who Pays $0, Who Finances It, and the Real Cost Math

The VA Funding Fee: Who Pays $0, Who Finances It, and the Real Cost Math

Douglas Wilkerson
Published on: 16/10/2026

VA funding fee explained: the 2026 schedule (2.15% first use, 3.3% subsequent), who pays $0 in exemptions, real $350K cost math, financing mechanics, and the refund almost nobody claims.

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