Who does not pay the VA funding fee, and how to confirm it
Pending claims and refunds
Short answer
If your disability claim is still pending at closing, the lender usually charges the funding fee. If VA later grants compensation with an effective date before the loan closed, you may be eligible for a refund of the fee. Keep your closing documents and contact VA, or ask your lender, once the rating comes through.
Last reviewed against the primary sources listed below.
If your claim is pending
- Tell your lender a claim is pending.
- Keep the Closing Disclosure showing the fee.
- Watch for the rating decision and its effective date.
- Ask VA about a refund if the date is before closing.
Exemption questions
Can I get my VA funding fee refunded?
Possibly, if VA later awards compensation with an effective date before your closing. VA decides each refund.