Why are you not exempt from va funding fee?

You may not be exempt from the VA funding fee if you do not meet specific eligibility criteria set by the Department of Veterans Affairs. Exemptions typically apply to veterans with service-related disabilities, surviving spouses of veterans who died in service or from service-related conditions, or those receiving VA compensation for a disability. If you fall into none of these categories, the funding fee will be applicable to your VA loan. Always consult with the VA or a qualified mortgage professional for your specific situation.