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Information about the VA Funding Fee and VA Funding Fee exemptions. .
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VA Funding Fee & Certificate of Eligibility (COE)


VA Funding Fee for Texas VA Loans

Generally, all Veterans using the VA Home Loan Guaranty benefit must pay a funding fee. This reduces the loan's cost to taxpayers considering that a VA loan requires no down payment and has no monthly mortgage insurance.

The funding fee is a percentage of the loan amount which varies based on the type of loan and your military category, if you are a first-time or subsequent loan user, and whether you make a down payment.

You have the option to finance the VA funding fee or pay it in cash, but the funding fee must be paid at closing time.

VA Loan Funding Fee San Antonio

VA Funding Fee Tables


Type of Veteran Down payment Percentage for
First time Use
Percentage for
Subsequent Use
Regular Military None 2.15% 3.3% *
5% or more 1.50% 1.50%
10% or more 1.25% 1.25%
Reserves/National Guard None 2.4% 3.3% *
5% or more 1.75% 1.75%
10% or more 1.5% 1.5%

Loan Types


Type of Loan Percentage for Either Type of Veteran Whether First Time or Subsequent Use
IRRRLs .50%
Manufactured Home Loans (NOT permanently affixed) 1.00%
Loan Assumptions .50%

*The higher subsequent use fee does not apply to these types of loans if the
Veteran's only prior use of entitlement was for a manufactured home loan.

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VA Funding Fee Exemptions

These are exemptions to the VA funding fee.

  • Veteran receiving disability compensation from the Department of Veteran Affairs, for a service-connected disability the fee is waived.
  • Veterans who would be entitled to receive compensation for service-connected disabilities if they did not receive retirement pay or active duty pay.
  • A surviving spouse of a veteran whom died in service or from a service connected disability the fee is waived.
  • Are a spouse of a service person missing in action or a prisoner of war
  • As with any circumstance the VA is the final authority and can choose to make determinations on a case by case basis. The VA has the final say on who is exempt.

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VA Loan Certificate of Eligibility (COE)

The VA Certificate of Eligibility from the VA is one of the most important required document that will be needed for a new VA loan or a VA Refinancing loan.

The VA Certificate of Eligibility (COE), is a document from the VA that provides the Veterans available eligibility amount for the VA Loan Program and if the Veteran is exempt from the VA Funding Fee.

How do I get a my Certificate of Eligibility?

We can obtain a Certificate of Eligibility for you by using ACE (Automated Certificate of Eligibility). ACE is a web-based application that is able to determine the Veterans eligibility and issue an online Certificate of Eligibility in a matter of seconds.



Why choose Grove Mortgage for your San Antonio home loan?

We are located in San Antonio, Texas and are Licensed Mortgage Broker and a VA Approved lender and have been specializing in VA Loans throughout Texas since 2002.

We can help you accomplish your home purchase or home refinance with expert service, fast closing and very low fees.

To speak with a home loan specialist call
210-656-1134 or
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Find out how much you qualify for with No Cost, No Credit Check, and No Obligation!

We are located in San Antonio, Texas and are Licensed Mortgage Broker and a VA Approved lender and proudly boasts an A+ rating from the Better Business Bureau. Better Business Bureau

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