If you’re planning to use a VA loan, there is usually a one-time funding fee included in the loan. This helps keep the VA loan program running for other veterans and service members. However, a large number of buyers using VA loans are exempt from paying that fee. You may qualify for an exemption if:
✅ You receive VA disability compensation
✅ You’re an eligible surviving spouse
✅ Or you received a Purple Heart and are still on active duty
This exemption can save thousands of dollars up front. In some cases, buyers who already paid the fee may also qualify for a refund if their VA disability rating was approved afterward.