VA Loan Tool

VA Funding Fee Calculator

Calculate your VA loan funding fee for purchases and refinances in Nevada. The funding fee varies based on your down payment, loan type, and whether this is your first VA loan use.

Purchase Funding Fees

Down Payment First Use After First
0% - 4.99% 2.15% 3.30%
5% - 9.99% 1.50% 1.50%
10%+ 1.25% 1.25%

Refinance Funding Fees

Loan Type Funding Fee
VA IRRRL (Streamline) 0.50%
VA Cash-Out (First Use) 2.15%
VA Cash-Out (After First) 3.30%

Funding Fee Exemptions

The following veterans are exempt from paying the VA funding fee:

  • Veterans receiving VA disability compensation
  • Veterans entitled to receive disability compensation but receiving retirement or active duty pay
  • Surviving spouses of veterans who died in service or from service-connected disability
  • Purple Heart recipients serving on active duty
VA Loan Tool

VA Funding Fee Calculator

Calculate your VA loan funding fee for Nevada purchases and refinances. The funding fee varies based on service type, down payment, and whether it's your first VA loan.

2025 VA Funding Fee Rates

Loan Type 0% Down 5%+ Down 10%+ Down
First Use Purchase 2.15% 1.50% 1.25%
Subsequent Use 3.30% 1.50% 1.25%
VA IRRRL Refinance 0.50%
VA Cash-Out Refi 2.15% (first) / 3.30% (subsequent)

Example Calculation

Home Price: $400,000
Down Payment: $0 (0%)
Funding Fee (2.15%): $8,600
Total Loan Amount: $408,600

Funding Fee Exemptions

You may be exempt from the VA funding fee if:

  • You receive VA disability compensation
  • You're a Purple Heart recipient on active duty
  • You're a surviving spouse receiving DIC benefits