OpenChainGraph Suite · ART-225 · US Mortgage Agency and Government Loan Pricing

VA Funding Fee and Residual Income

VA home loan funding fee per 38 USC §3729 and residual income qualification per VA Pamphlet 26-7 Ch.4. Funding fee table: first vs subsequent use, down-payment tiers, exemptions for service-connected disability. IRRRL: 0.50%. Residual income tables by region (Northeast / Midwest / South / West) and family size 1–5 plus $80 per additional member. DTI benchmark: 41% (triggers residual review). Tables: VA-FF-2025-01-01; VA-PAMPHLET-26-7-CH4-2024.

38 USC §3729 VA Pamphlet 26-7 Ch.4 VA Funding Fee Residual Income IRRRL
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Loan Characteristics
Loan amount before any financed funding fee. Used to compute fee dollar amount.
Down payment as percent of purchase price. Drives funding fee tier (0%, 5%, 10%+ thresholds).
IRRRL has a fixed 0.50% funding fee regardless of use type or down payment.
First use has lower funding fee than subsequent use for purchase and cash-out.
Veterans with a service-connected disability rating, surviving spouses, and certain active-duty recipients are exempt from the funding fee.
Residual Income Inputs
Total persons in household (1–10). Drives required residual income threshold.
Used to assign Census region (NE / MW / SO / WE) for residual income table lookup.
Total debt-to-income ratio. VA benchmark: 41%. Exceeding triggers mandatory residual income review.
Total gross qualifying income before taxes per month.
Principal, interest, taxes, insurance, and HOA. Used to compute actual residual income.
VA Funding Fee
Residual Income
DTI Assessment
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