VA Loan Closing Costs Breakdown

Funding fee: 2.15% first use ($0 down), $0 if 10%+ disability. On $400K: $8,600 or $0. Origination: 0–1% (VA caps at 1%). Appraisal: $400–$800. Title: $1K–$2.5K. Recording: $100–$400. Prepaids: 2–6 months taxes + 12 months insurance.

Total typical: $8K–$14K with funding fee, $2K–$6K if fee exempt.

Seller concessions: VA allows up to 4% of sale price toward buyer closing costs. On $400K = $16K possible. Many veterans close with $0 out of pocket between $0 down and seller concessions.

A skilled VA loan officer structures the offer to maximize seller concessions — this is what separates good VA lenders from mediocre ones.