VA Closing Costs
A practical breakdown of VA buyer closing costs and seller credits.
Quick answer
A zero-down VA loan does not mean zero transaction costs. Buyers may still face lender charges, title and settlement fees, prepaid taxes, insurance, escrow reserves, inspections and appraisal-related expenses. Seller credits can help, subject to the contract and VA rules.
What buyers should do
- Get the applicable requirement or cost in writing.
- Compare the information against your contract and loan documents.
- Ask questions before a deadline expires.
- Keep copies of estimates, reports and written responses.
Why property-specific advice matters
Loan programs, insurers, properties and contracts are not identical. Online information is useful for preparation, but a real transaction should be reviewed using the current documents and facts.
Need help applying this to a specific home?
Send the property address and where you are in the process.