Funding Fee with $0 Down: 2.15% $4,300. With $0 down, the funding fee would be $3000 (1.25%). With $10,000-$20,000 down, the funding fee would be $3000 (1.5%). If you put more than $20,000 down the funding fee would be $2500 (1.25%). The VA Funding Fee is waived for Veterans who are 10% or more disabled.