VA Funding Fee and Disability Exemption in Kentucky
The VA funding fee helps keep the program sustainable, but many Kentucky veterans qualify for a full exemption. This guide explains funding fee rates, when they apply, and how exemptions work.
Who Pays the Funding Fee?
- Veterans using entitlement for the first time
- Subsequent use buyers
- Cash-out refinance borrowers
Who Is Exempt?
- Veterans with a VA disability rating of 10 percent or higher
- Surviving spouses of veterans who died in service or from service-connected disabilities
- Active-duty Purple Heart recipients
2025–2026 Funding Fee Chart
Rates depend on military status, down payment (if any), and loan type. Your lender will verify the amount at underwriting.
KENTUCKY VA MORTGAGE LENDER 