The VA funding fee is a one-time cost that varies based on your situation, such as whether this is your first VA loan and the amount of your down payment. The fee typically ranges from 1.4-3.6% of your loan amount and can be paid upfront or rolled into your monthly mortgage payment. It ensures the program is financially sustainable for all eligible veterans. The VA also allows for exceptions around paying the funding fee. This includes Purple Heart recipients, veterans with service-related disabilities, and surviving spouses of veterans in certain circumstances. Along with the VA funding fee there are closing costs, which cover expenses such as loan origination fees, an appraisal, title insurance, etc. Some of these can be rolled into the loan and added to your monthly mortgage payment. The VA also allows that up to 4% of these costs can be covered by the person selling your new house. This may be an option if it helps everyone close the sale of the house.