It depends. VA Home Loans do come with a funding fee that varies based on whether or not you’ve used your VA benefit before and if you put money down. However, not all borrowers are required to pay the funding fee. Be sure to check with your Military Mortgage Advisor for details., You may be exempt from paying the VA funding fee if: 1) you’re a Veteran receiving VA disability pay for a service-connected disability; 2) you’re a Veteran who would be entitled to receive disability pay for a service-related disability if you weren’t receiving retirement or active-duty pay; or 3) you’re the surviving spouse of a Veteran who died while on duty or as a result of a service-related illness or disability.