Who does not pay the VA funding fee, and how to confirm it
Exemption status on your COE
Short answer
Your Certificate of Eligibility shows whether you are exempt from the funding fee. Lenders rely on that status. If your rating changed after the COE was issued, ask for an updated COE before closing.
Last reviewed against the primary sources listed below.
If it looks wrong
- Compare with your rating letter.
- Ask your lender to request an updated COE.
- Do it before closing.
Exemption questions
How do I know if I am exempt from the funding fee?
Check the status on your Certificate of Eligibility.
What if my COE exemption status is wrong?
Ask for an updated COE before closing.