The VA funding fee is a percentage of the loan amount that shifts with your down payment and whether you've used the benefit before. Here's the mechanism, who's exempt, and why it's worth understanding before you commit.
I went through Officer Candidate School in Newport and served as a Cryptologic Warfare Officer. Everything here is firsthand — the twelve weeks, the paperwork that comes before them, and the benefits nobody explains until you need them.

The VA funding fee is a percentage of the loan amount that shifts with your down payment and whether you've used the benefit before. Here's the mechanism, who's exempt, and why it's worth understanding before you commit.