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, the refund is processed by the VA and your loan servicer, not the lender. Start at va.gov.
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 NM 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.