Do I get the funding fee waived with a disability rating?
Answered by Ruth Brewer, your Beale AFB PCS relocation specialist. Straight talk, no pressure, and no jargon.
Quick answer
Often yes. Veterans receiving VA disability compensation are typically exempt from the VA funding fee, and the exemption usually applies automatically once your lender verifies your status. Widows or widowers of certain veterans may qualify too.
If you receive VA disability compensation, you are generally exempt from paying the funding fee, and that exemption is typically applied automatically when your lender verifies your status. The key is making sure your lender knows your situation early, before the fee is built into your loan paperwork.
Other groups can qualify for an exemption or partial exemption as well, including surviving spouses in certain circumstances. Because the rules are specific, Ruth always asks about disability status in the first conversation and keeps it on the checklist all the way to closing.
A waived funding fee can meaningfully reduce what you owe at closing, and confirming your exemption costs nothing but a question. Bring it up; Ruth will make sure the lender acts on it.
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Every family's situation is different. Call or text Ruth at 916-761-6299 or send a message, and she will answer directly. No pressure, ever.