Bases: Camp Pendleton · Naval San Diego · Travis AFB · Edwards AFB · $0 down VA · CA vet tax exemption · Call Mike (480) 296-6513

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VA Funding Fee Calculator

Your funding fee depends on three things: how much you put down, whether this is your first VA loan, and your disability rating. Run yours.

By Mike Certo, NMLS #260555 —

Your situation

Loan basics
Base loan, before funding fee. Median CA VA loan is around $475K.
Your VA history
Subsequent use = you've used your VA benefit before, even if previously paid off.
Vets rated 10% or higher pay no funding fee. Surviving spouses of KIA/DSC also waived.

Your funding fee

$0 —
Base loan amount$0
Funding fee rate0%
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. Most lenders don't tell you this. Mike handles the paperwork.
2026 VA funding fee tables (full reference)
Down paymentFirst useSubsequent use
Less than 5%2.15%3.30%
5% to less than 10%1.50%1.50%
10% or more1.25%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 CA 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.

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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.