{"version":"1.0","type":"card","id":"d52e505a-22b3-4c52-8266-d7fdcb1b9c2b","url":"https://stacklist.com/card/d52e505a-22b3-4c52-8266-d7fdcb1b9c2b","title":"VA Funding Fee & Closing Costs Explained","source_url":"https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/","note":"Current VA funding fee rates, who is exempt, and how seller credits can cover closing costs on a VA purchase.","image":{"url":"https://ucarecdn.com/78420b1f-2fb4-437f-974b-1ed3489d09a4/","alt":"VA Funding Fee & Closing Costs Explained","width":992,"height":620},"stack":{"id":"a6a88843-f45b-4bfc-b1f6-867e50e2c04a","title":"VA Loans in Kitsap County & Gig Harbor, WA: Veteran & Military Home Buying Guide","url":"https://stacklist.com/c/finance/stack/a6a88843-f45b-4bfc-b1f6-867e50e2c04a"},"created_at":"2026-10-15T07:46:37.511Z","updated_at":null,"aco":{"summary":"VA funding fee is a one-time payment required for VA-backed or VA direct home loans, helping reduce taxpayer costs by eliminating down payment and mortgage insurance requirements. Veterans with service-connected disabilities, active-duty members with Purple Hearts, and surviving spouses receiving DIC may be exempt from this fee, with rates typically ranging from 1.25% to 3.3% of the loan amount.","tags":["va-funding-fee","home-loan","closing-costs","veterans","mortgage","disability-compensation","refinance"],"key_entities":[{"name":"VA","type":"organization","confidence":0.99},{"name":"Armed Forces","type":"organization","confidence":0.95},{"name":"VA funding fee","type":"concept","confidence":0.99},{"name":"service-connected disability","type":"concept","confidence":0.98},{"name":"Dependency and Indemnity Compensation","type":"concept","confidence":0.97},{"name":"VA-backed home loan","type":"concept","confidence":0.98},{"name":"Purple Heart","type":"concept","confidence":0.96}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-10-15T07:46:43.929Z"},"token_counts":{"approximate":1896,"cl100k":1699},"content_hash":"sha256:aae982ed226041545bad0e8879189b59d8992c7b95b2bf93cbf8a27dee77c4ab","acp_version":"0.2","body_available":true,"body_tokens":1896,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/d52e505a-22b3-4c52-8266-d7fdcb1b9c2b.json","html":"https://stacklist.com/card/d52e505a-22b3-4c52-8266-d7fdcb1b9c2b","md":"/api/public/card/d52e505a-22b3-4c52-8266-d7fdcb1b9c2b.md","stack_json":"/api/public/stack/a6a88843-f45b-4bfc-b1f6-867e50e2c04a.json"}}