Updated November 11, 2026
Short answer
VA says you're exempt if you receive (or are eligible for) VA compensation for a service-connected disability, receive DIC as a surviving spouse, have a qualifying pre-discharge rating before closing, or are active duty with a Purple Heart.
The full list from VA
- You receive VA compensation for a service-connected disability
- You're eligible for that compensation but receive retirement or active-duty pay instead
- You receive Dependency and Indemnity Compensation (DIC) as a surviving spouse
- You're a service member with a proposed or memorandum rating before closing on a pre-discharge claim
- You're active duty and show evidence of a Purple Heart on or before closing
Source: VA.gov. VA may refund the fee if you're later awarded compensation retroactive to before closing.
Talk it through
Buying in Tampa Bay? Krystal Crichlow with eXp Realty works with VA buyers. Anywhere else in the U.S., she can refer you to a VA-experienced local agent at no cost to you. Use the form to tell us where and when.
Disclosure: TheBayPros' owner is related to Krystal Crichlow (eXp Realty), who may be among the agents introduced to you. You can choose any agent you like. We are not a lender and do not make loans. General information from VA.gov; rules change, so confirm with VA and your lender.