VA Funding Fee Waivers for Disabled Veterans in Northern Nevada
May 21, 2026
Veterans with a service-connected disability rating who plan to use a VA loan may qualify for an important exemption. Those rated at 10 percent or higher avoid the funding fee that most borrowers pay at closing. This waiver applies whether the loan is a first-time use or a subsequent one. The savings can reach several thousand dollars depending on the home price and down payment.
The VA loan program provides key advantages including no down payment requirement and no private mortgage insurance. Most borrowers pay a one-time funding fee to support the program. This fee is calculated as a percentage of the loan amount and can be financed into the loan. Even when rolled in, it raises the total balance and affects monthly payments over the life of the loan.
Veterans receiving VA compensation for a service-connected disability of 10 percent or higher receive the exemption automatically. Surviving spouses of veterans who died in service or from a service-connected disability also qualify. A pending claim may lead to an exemption if approved with an effective date that covers the closing. A zero percent rating does not meet the threshold for the waiver.
In the Carson City area, the exemption removes the entire fee on typical home prices. Savings reach more than nine thousand dollars on a four hundred fifty thousand dollar purchase with no down payment. Veterans should review their Certificate of Eligibility early and provide VA documentation if the rating is not listed. Those who paid the fee before approval of a pending claim can request a refund through their lender or the VA regional loan center.
Many veterans miss this benefit when lenders do not discuss disability status at the start. Confirming the exemption upfront prevents surprises after closing. Loan officers who specialize in VA loans make this check a standard part of the process.