Service-connected disability compensation, certain Purple Heart recipients, and many eligible surviving spouses can waive the one-time VA funding fee entirely — often saving thousands on a purchase or refinance.
If you are exempt, the one-time VA funding fee is $0 — which can save thousands on a purchase or refinance.
Exemption is not something you “claim” at closing without documentation. Lenders verify it through your COE and, when needed, VA systems.
On a $350,000 zero-down purchase at a 2.3% first-use fee, exemption can remove about $8,050 from the loan amount — lowering both cash-to-close pressure and monthly payment.
Clearing these up early avoids surprise fees on your Closing Disclosure.
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Related guides to help you compare options and move toward pre-approval.
How the one-time fee works when you are not exempt.
Zero down plus a fee waiver can mean the lowest cash path.
Service eligibility, COE, and occupancy basics.
Toggle EXEMPT on the funding fee calculator.
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Ryan & Steve will pull your COE, verify disability or surviving-spouse status, and show you the dollar difference between exempt and non-exempt scenarios.