Many Oregon veterans don't realize they qualify for a VA funding fee exemption that can save $3,000–$15,000 at closing. Here's exactly who qualifies and how to claim it.
VA Loan Funding Fee Exemption: Who Qualifies?
The VA funding fee is a one-time charge paid at closing on VA loans. For most veterans, it ranges from 1.25% to 3.3% of the loan amount — on a $400,000 home, that's $5,000–$13,200. But many veterans qualify for a complete exemption and never have to pay it.
Who Is Exempt from the VA Funding Fee?
- Veterans receiving VA compensation for a service-connected disability
- Veterans who would be entitled to receive compensation but are receiving retirement or active duty pay instead
- Surviving spouses of veterans who died in service or from a service-connected disability
- Veterans with a proposed or memorandum rating for a service-connected disability prior to loan closing
How to Claim the Exemption
To claim the exemption, your lender needs documentation of your disability rating from the VA. Stephen Harris, as a Certified Veterans Lending Specialist (CVLS), handles this documentation process for his veteran clients and ensures the exemption is properly applied at closing.
If you're an Oregon veteran considering a home purchase or refinance, learn more about VA loans or contact Stephen directly.
Frequently Asked Questions
What is the VA funding fee in 2026?
Can I get a refund if I paid the funding fee but was later found disabled?
Stephen Harris, CMC · CRMS · CFMP · CVLS
Licensed Originator · X2 Mortgage · NMLS #203065
Stephen Harris is a Certified Mortgage Consultant with X2 Mortgage, serving Medford, Ashland, Grants Pass, and all of Southern Oregon. With 20+ years of combined real estate and mortgage experience, he holds 5 NAMB designations and 8 real estate credentials — giving his clients an unmatched depth of expertise. Licensed in Oregon, Arizona, and California.