---
title: "VA Funding Fee and Residual Income"
method: POST
path: "/v1/tools/compute_va_funding_fee_residual"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# VA Funding Fee and Residual Income

`POST /v1/tools/compute_va_funding_fee_residual`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/compute_va_funding_fee_residual`
- Auth: none declared

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.

**Tool URL:** https://ainumbers.co/chaingraph/art-225-va-funding-fee-residual.html

## Request body

- object
  - `base_loan_amount` number
  - `down_payment_pct` number: Percentage value
  - `dti_pct` number: Percentage value
  - `family_size` number
  - `funding_fee_exempt` boolean, required
  - `gross_monthly_income` number
  - `loan_purpose` unknown, required
  - `monthly_shelter_expenses` number
  - `state` unknown, required
  - `va_use_type` unknown, required

## Response `200`

Successful tool execution result

- object
  - `dti` object
    - `actual_pct` integer
    - `benchmark_pct` integer
    - `ok` boolean
    - `residual_review_triggered` boolean
  - `funding_fee` object
    - `amount` integer
    - `basis` string
    - `exempt` boolean
    - `financed_loan_amount` integer
    - `rate_pct` number
  - `pii_note` string
  - `regulatory_basis` string
  - `residual_income` object
    - `actual_monthly` integer
    - `family_size` integer
    - `margin` integer
    - `meets_requirement` boolean
    - `region` string
    - `required_monthly` integer
    - `state_code` string
  - `table_source_funding_fee` string
  - `table_source_residual` string
  - `table_version_funding_fee` string
  - `table_version_residual` string

---

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