---
type: DecisionTool
title: "VA Funding Fee and Residual Income"
description: "VA home loan funding fee (38 USC §3729) and residual income qualification. Funding fee table: first vs subsequent use, down-payment tiers (0%/5-9.99%/10%+), exemptions for service-connected disability/surviving spouse/Purple Heart. IRRRL: 0.50%. Residual income: VA Pamphlet 26-7 Ch.4 Tables 41A/41B by region (Northeast/Midwest/South/West) and family size; $80 per member above five. DTI benchmark: 41% (triggers residual income review when exceeded). Table versions: VA-FF-2025-01-01 (VA Circular 26-25-3); VA-PAMPHLET-26-7-CH4-2024."
resource: https://ainumbers.co/chaingraph/art-225-va-funding-fee-residual.html
tags: ["compliance_mandate", "wave-38", "mcp:compute_va_funding_fee_residual"]
timestamp: 2026-07-14
---

# VA Funding Fee and Residual Income

> Exports a decision via MCP `compute_va_funding_fee_residual` — mandate type `compliance_mandate`.

## Inputs

Typed `inputSchema` — see [tool page](https://ainumbers.co/chaingraph/art-225-va-funding-fee-residual.html).

## Outputs

A hash-anchored OpenChainGraph artifact (decision, not context).

## Chains

**Consumes:** _none (root node)_

**Feeds:** _terminal node_