VA Streamlines Online Fees for Veteran Home Loans
Published Date: 4/10/2026
Notice
Summary
The VA is updating how lenders pay the funding fee for VA loans using an online system that calculates fees and late charges automatically. This change affects lenders handling VA-guaranteed loans and aims to make payments smoother and more accurate. Comments on this update are open until May 11, 2026, and fewer lenders are expected to use the system, reducing paperwork overall.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 2 costs, 0 mixed.
VA funding fee required before guarantee
If you are getting a VA-guaranteed loan, the VA funding fee must be paid to VA before the loan can be guaranteed and evidence of guaranty is issued. The funding fee is payable on all VA-guaranteed loans, including assumptions, manufactured housing, refinances, and real estate purchase and construction loans.
Lenders must use online VA FFPS
Lenders handling VA-guaranteed loans are required to pay the funding fee using the internet-based VA Funding Fee Payment System (FFPS). The FFPS application calculates the appropriate fee, including any late fees and interest, and lenders may also submit batch payments by uploading an XML file.
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