source:
  type: regulation
  id: va-38usc-3729
  authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3729 — Loan fee
  description: 'VA Home Loan Guaranty (38 U.S.C. ch. 37), §3729 Loan fee. Captured section-complete from Cornell
    LII (verbatim).

    '
obligations:
- id: va-38usc-3729-a
  canonical_id: va-38usc-3729-a
  section: 38 U.S.C. §3729(a)
  description: 'Loan fee — (a): (a) Requirement of Fee.— (1) Except as provided in subsection (c), a fee shall be
    collected from each person obtaining a housing loan guaranteed, insured, or made under this chapter, and each
    person assuming a loan to which section 3714 of this title applies. No such loan may be guaranteed, insured,…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3729
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/38/3729
    snapshot_id: bc17098a5f577cfd
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:7dcbc4df84864c3e53ce09b5c6516706d4d30a45c355fcb5f7366c0487fa0d96
    paragraph_quote: (a) Requirement of Fee.— (1) Except as provided in subsection (c), a fee shall be collected
      from each person obtaining a housing loan guaranteed, insured, or made under this chapter, and each person
      assuming a loan to which section 3714 of this title applies. No such loan may be guaranteed, insured, made,
      or assumed until the fee payable under this section has been remitted to the Secretary. (2) The fee may be
      included in the loan and paid from the proceeds thereof.
    drafter_attestation: Verbatim slice of 38 U.S.C. §3729 subsection (a) from Cornell LII snapshot bc17098a5f577cfd;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: va-38usc-3729-b
  canonical_id: va-38usc-3729-b
  section: 38 U.S.C. §3729(b)
  description: 'Loan fee — (b): (b) Determination of Fee.— (1) The amount of the fee shall be determined from the
    loan fee table in paragraph (2). The fee is expressed as a percentage of the total amount of the loan guaranteed,
    insured, or made, or, in the case of a loan assumption, the unpaid principal balance of the loan on the …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3729
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/38/3729
    snapshot_id: bc17098a5f577cfd
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:7dcbc4df84864c3e53ce09b5c6516706d4d30a45c355fcb5f7366c0487fa0d96
    paragraph_quote: '(b) Determination of Fee.— (1) The amount of the fee shall be determined from the loan fee
      table in paragraph (2). The fee is expressed as a percentage of the total amount of the loan guaranteed, insured,
      or made, or, in the case of a loan assumption, the unpaid principal balance of the loan on the date of the
      transfer of the property. (2) The loan fee table referred to in paragraph (1) is as follows: Type of loan
      Active duty veteran Reservist Other obligor (A)(i) Initial loan described in section 3710(a) to purchase or
      construct a dwelling with 0-down, or any other initial loan described in section 3710(a) other than with 5-down
      or 10-down (closed on or after October 1, 2004 , and before January 1, 2020 ) 2.15 2.40 NA (A)(ii) Initial
      loan described in section 3710(a) to purchase or construct a dwelling with 0-down, or any other initial loan
      described in section 3710(a) other than with 5-down or 10-down (closed on or after January 1, 2020 , and before
      April 7, 2023 ) 2.30 2.30 NA (A)(iii) Initial loan described in section 3710(a) to purchase or construct a
      dwelling with 0-down, or any other initial loan described in section 3710(a) other than with 5-down or 10-down
      (closed on or after April 7, 2023 , and before June 9, 2034 ) 2.15 2.15 NA (A)(iv) Initial loan described
      in section 3710(a) to purchase or construct a dwelling with 0-down, or any other initial loan described in
      section 3710(a) other than with 5-down or 10-down (closed on or after June 9, 2034 ) 1.40 1.40 NA (B)(i) Subsequent
      loan described in section 3710(a) to purchase or construct a dwelling with 0-down, or any other subsequent
      loan described in section 3710(a) (closed on or after October 1, 2004 , and before January 1, 2020 ) 3.30
      3.30 NA (B)(ii) Subsequent loan described in section 3710(a) to purchase or construct a dwelling with 0-down,
      or any other subsequent loan described in section 3710(a) (closed on or after January 1, 2020 , and before
      April 7, 2023 ) 3.60 3.60 NA (B)(iii) Subsequent loan described in section 3710(a) to purchase or construct
      a dwelling with 0-down, or any other subsequent loan described in section 3710(a) (closed on or after April
      7, 2023 , and before June 9, 2034 ) 3.30 3.30 NA (B)(iv) Subsequent loan described in section 3710(a) to purchase
      or construct a dwelling with 0-down, or any other subsequent loan described in section 3710(a) (closed on
      or after June 9, 2034 ) 1.25 1.25 NA (C)(i) Loan described in section 3710(a) to purchase or construct a dwelling
      with 5-down (closed before January 1, 2020 ) 1.50 1.75 NA (C)(ii) Loan described in section 3710(a) to purchase
      or construct a dwelling with 5-down (closed on or after January 1, 2020 , and before April 7, 2023 ) 1.65
      1.65 NA (C)(iii) Loan described in section 3710(a) to purchase or construct a dwelling with 5-down (closed
      on or after April 7, 2023 , and before June 9, 2034 ) 1.50 1.50 NA (C)(iv) Loan described in section 3710(a)
      to purchase or construct a dwelling with 5-down (closed on or after June 9, 2034 ) 0.75 0.75 NA (D)(i) Loan
      described in section 3710(a) to purchase or construct a dwelling with 10-down (closed before January 1, 2020
      ) 1.25 1.50 NA (D)(ii) Loan described in section 3710(a) to purchase or construct a dwelling with 10-down
      (closed on or after January 1, 2020 , and before April 7, 2023 ) 1.40 1.40 NA (D)(iii) Loan described in section
      3710(a) to purchase or construct a dwelling with 10-down (closed on or after April 7, 2023 , and before June
      9, 2034 ) 1.25 1.25 NA (D)(iv) Loan described in section 3710(a) to purchase or construct a dwelling with
      10-down (closed on or after June 9, 2034 ) 0.50 0.50 NA (E) Interest rate reduction refinancing loan 0.50
      0.50 NA (F) Direct loan under section 3711 1.00 1.00 NA (G) Manufactured home loan under section 3712 (other
      than an interest rate reduction refinancing loan) 1.00 1.00 NA (H) Loan to Native American veteran under section
      3762 (other than an interest rate reduction refinancing loan) 1.25 1.25 NA (I) Loan assumption under section
      3714 0.50 0.50 0.50 (J) Loan under section 3733(a) 2.25 2.25 2.25. (3) Any reference to a section in the “Type
      of loan” column in the loan fee table in paragraph (2) refers to a section of this title. (4) For the purposes
      of paragraph (2): (A) The term “ active duty veteran ” means any veteran eligible for the benefits of this
      chapter other than a Reservist. (B) The term “ Reservist ” means a veteran described in section 3701(b)(5)(A)
      of this title who is eligible under section 3702(a)(2)(E) of this title . (C) The term “ other obligor ” means
      a person who is not a veteran, as defined in section 101 of this title or other provision of this chapter.
      (D)'
    drafter_attestation: Verbatim slice of 38 U.S.C. §3729 subsection (b) from Cornell LII snapshot bc17098a5f577cfd;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: va-38usc-3729-i
  canonical_id: va-38usc-3729-i
  section: 38 U.S.C. §3729(i)
  description: 'Loan fee — (i): (i) The term “ initial loan ” means a loan to a veteran guaranteed under section
    3710 or made under section 3711 of this title if the veteran has never obtained a loan guaranteed under section
    3710 or made under section 3711 of this title . (ii) If a veteran has obtained a loan guaranteed under sect…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3729
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/38/3729
    snapshot_id: bc17098a5f577cfd
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:7dcbc4df84864c3e53ce09b5c6516706d4d30a45c355fcb5f7366c0487fa0d96
    paragraph_quote: (i) The term “ initial loan ” means a loan to a veteran guaranteed under section 3710 or made
      under section 3711 of this title if the veteran has never obtained a loan guaranteed under section 3710 or
      made under section 3711 of this title . (ii) If a veteran has obtained a loan guaranteed under section 3710
      or made under section 3711 of this title and the dwelling securing such loan was substantially damaged or
      destroyed by a major disaster declared by the President under section 401 of the Robert T. Stafford Disaster
      Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ), the Secretary shall treat as an initial loan, as defined
      in clause (i), the next loan the Secretary guarantees or makes to such veteran under section 3710 or 3711,
      respectively, if— (I) such loan is guaranteed or made before the date that is three years after the date on
      which the dwelling was substantially damaged or destroyed; and (II) such loan is only for repairs or construction
      of the dwelling, as determined by the Secretary. (E) The term “ subsequent loan ” means a loan to a veteran,
      other than an interest rate reduction refinancing loan , guaranteed under section 3710 or made under section
      3711 of this title that is not an initial loan. (F) The term “ interest rate reduction refinancing loan ”
      means a loan described in section 3710(a)(8) , 3710(a)(9)(B)(i) , 3710(a)(11) , 3712(a)(1)(F) , or 3762(h)(1)
      of this title. (G) The term “ 0-down ” means a downpayment, if any, of less than 5 percent of the total purchase
      price or construction cost of the dwelling. (H) The term “ 5-down ” means a downpayment of at least 5 percent
      or more, but less than 10 percent, of the total purchase price or construction cost of the dwelling. (I) The
      term “ 10-down ” means a downpayment of 10 percent or more of the total purchase price or construction cost
      of the dwelling.
    drafter_attestation: Verbatim slice of 38 U.S.C. §3729 subsection (i) from Cornell LII snapshot bc17098a5f577cfd;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: va-38usc-3729-c
  canonical_id: va-38usc-3729-c
  section: 38 U.S.C. §3729(c)
  description: 'Loan fee — (c): (c) Waiver of Fee.— (1) A fee may not be collected under this section from a veteran
    who is receiving compensation (or who, but for the receipt of retirement pay or active service pay, would be
    entitled to receive compensation), from a surviving spouse of any veteran (including a person who died in …'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3729
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/38/3729
    snapshot_id: bc17098a5f577cfd
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:7dcbc4df84864c3e53ce09b5c6516706d4d30a45c355fcb5f7366c0487fa0d96
    paragraph_quote: (c) Waiver of Fee.— (1) A fee may not be collected under this section from a veteran who is
      receiving compensation (or who, but for the receipt of retirement pay or active service pay, would be entitled
      to receive compensation), from a surviving spouse of any veteran (including a person who died in the active
      military, naval, air, or space service) who died from a service-connected disability, or from a member of
      the Armed Forces who is serving on active duty and who provides, on or before the date of loan closing, evidence
      of having been awarded the Purple Heart. (2) (A) A veteran described in subparagraph (B) shall be treated
      as receiving compensation for purposes of this subsection as of the date of the rating described in such subparagraph
      without regard to whether an effective date of the award of compensation is established as of that date. (B)
      A veteran described in this subparagraph is a veteran who is rated eligible to receive compensation—
    drafter_attestation: Verbatim slice of 38 U.S.C. §3729 subsection (c) from Cornell LII snapshot bc17098a5f577cfd;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: va-38usc-3729-i
  canonical_id: va-38usc-3729-i
  section: 38 U.S.C. §3729(i)
  description: 'Loan fee — (i): (i) as the result of a pre-discharge disability examination and rating; or (ii)
    based on a pre-discharge review of existing medical evidence (including service medical and treatment records)
    that results in the issuance of a memorandum rating. (Added Pub. L. 97–253, title IV, § 406(a)(1) , Sept. 8,
    …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: VA Home Loan Guaranty (38 U.S.C. ch. 37) § 3729
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/38/3729
    snapshot_id: bc17098a5f577cfd
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:7dcbc4df84864c3e53ce09b5c6516706d4d30a45c355fcb5f7366c0487fa0d96
    paragraph_quote: (i) as the result of a pre-discharge disability examination and rating; or (ii) based on a
      pre-discharge review of existing medical evidence (including service medical and treatment records) that results
      in the issuance of a memorandum rating. (Added Pub. L. 97–253, title IV, § 406(a)(1) , Sept. 8, 1982 , 96
      Stat. 805 , § 1829; amended Pub. L. 98–369, div. B, title V, § 2511(a) , July 18, 1984 , 98 Stat. 1117 ; Pub.
      L. 100–198 , §§ 2, 10(c), Dec. 21, 1987 , 101 Stat. 1315 , 1323; Pub. L. 100–203, title VII, § 7002 , Dec.
      22, 1987 , 101 Stat. 1330–279 ; Pub. L. 100–322, title IV, § 415(c)(6) , May 20, 1988 , 102 Stat. 551 ; Pub.
      L. 101–237, title III , §§ 303(a), 313(b)(1), Dec. 18, 1989 , 103 Stat. 2071 , 2077; Pub. L. 101–239, title
      V, § 5001 , Dec. 19, 1989 , 103 Stat. 2136 ; Pub. L. 101–508, title VIII, § 8032 , Nov. 5, 1990 , 104 Stat.
      1388–348 ; Pub. L. 102–54, § 15(a)(3) , (4), June 13, 1991 , 105 Stat. 289 ; renumbered § 3729 and amended
      Pub. L. 102–83, § 5(a) , (c)(1), Aug. 6, 1991 , 105 Stat. 406 ; Pub. L. 102–547 , §§ 2(b)(1), 5, Oct. 28,
      1992 , 106 Stat. 3633 , 3636; Pub. L. 103–66, title XII, § 12007 , Aug. 10, 1993 , 107 Stat. 414 ; Pub. L.
      103–446, title IX, § 904(c) , Nov. 2, 1994 , 108 Stat. 4677 ; Pub. L. 104–275, title II, § 202(b) , Oct. 9,
      1996 , 110 Stat. 3330 ; Pub. L. 105–33, title VIII , §§ 8012, 8032, Aug. 5, 1997 , 111 Stat. 664 , 669; Pub.
      L. 105–368, title VI , §§ 602(e)(1)(D), 603(b), Nov. 11, 1998 , 112 Stat. 3346 , 3348; Pub. L. 106–419, title
      IV, § 402(b) , Nov. 1, 2000 , 114 Stat. 1861 ; Pub. L. 107–14, § 8(b)(4) , June 5, 2001 , 115 Stat. 36 ; Pub.
      L. 107–103, title IV , §§ 405(c), 406, Dec. 27, 2001 , 115 Stat. 994 ; Pub. L. 108–183, title IV, § 405 ,
      Dec. 16, 2003 , 117 Stat. 2665 ; Pub. L. 108–454, title IV, § 406 , Dec. 10, 2004 , 118 Stat. 3617 ; Pub.
      L. 111–275, title II, § 204 , Oct. 13, 2010 , 124 Stat. 2874 ; Pub. L. 112–26, § 3(a) , Aug. 3, 2011 , 125
      Stat. 269 ; Pub. L. 112–37, § 15 , Oct. 5, 2011 , 125 Stat. 398 ; Pub. L. 112–56, title II, § 265(a) , Nov.
      21, 2011 , 125 Stat. 732 ; Pub. L. 112–154, title II, § 210 , title VII, § 702(b), Aug. 6, 2012 , 126 Stat.
      1179 , 1205; Pub. L. 113–146, title VII, § 704 , Aug. 7, 2014 , 128 Stat. 1797 ; Pub. L. 115–46, title IV,
      § 402 , Aug. 12, 2017 , 131 Stat. 969 ; Pub. L. 115–182, title V, § 508 , June 6, 2018 , 132 Stat. 1480 ;
      Pub. L. 116–23, § 6(b) , (c), June 25, 2019 , 133 Stat. 973 , 975; Pub. L. 116–154, § 7 , Aug. 8, 2020 , 134
      Stat. 694 ; Pub. L. 116–283, div. A, title IX, § 926(a)(49) , Jan. 1, 2021 , 134 Stat. 3830 ; Pub. L. 116–315,
      title II , §§ 2102, 2103, Jan. 5, 2021 , 134 Stat. 4981 ; Pub. L. 117–76, § 6 , Dec. 21, 2021 , 135 Stat.
      1520 ; Pub. L. 117–328, div. U, title II, § 204 , Dec. 29, 2022 , 136 Stat. 5451 ; Pub. L. 118–19, § 4 , Oct.
      6, 2023 , 137 Stat. 107 ; Pub. L. 118–83, div. B, title III, § 336 , Sept. 26, 2024 , 138 Stat. 1542 ; Pub.
      L. 118–210, title II, § 231(f) , title V, § 503, Jan. 2, 2025 , 138 Stat. 2787 , 2801.)
    drafter_attestation: Verbatim slice of 38 U.S.C. §3729 subsection (i) from Cornell LII snapshot bc17098a5f577cfd;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
