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VA Loan Costs and Fees Loan Articles

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    Cost of Homeownership: What to Expect as a Homeowner

    There are several upfront and ongoing expenses that homebuyers should be aware of when determining the cost of homeownership.

  • Calculating VA Loan Agent or Broker Fees
    VA Loans and Real Estate Agent/Broker Fees

    “I just bought a home using a VA Loan and just found out that the electrical circuits are not grounded. Is this something that should have been discovered at the time of the appraisal?”

  • boots, hat and an American flag
    VA Expands Funding Fee Waiver Rules

    The law now permits a waiver based on a pre-discharge review of existing medical evidence that results in issuance of a memorandum rating by VA.

  • Veteran happy about VA funding fee refund
    VA Loan Funding Fee Refunds

    Part of the cost of a VA guaranteed home loan is the payment of a VA loan funding fee. Some borrowers are exempt from the funding fee and some get it refunded.

  • man calculating at his desk
    VA Loan Down Payment and Funding Fee Issues

    VA borrowers eligible for a no-down payment VA loan can save money up front, but some buyers may choose to make a down payment to reduce the cost of the loan and pay a smaller VA loan funding fee.

  • Houses in a row with American flags flying
    How Much is the VA Funding Fee, and Who is Exempt?

    The Dept. of Veterans Affairs guarantees every VA Loan that is originated. The VA uses its Funding Fee to finance this guarantee.

  • female veteran talking to another woman about allowable fees
    VA Loan Fees the Borrower Cannot Pay

    There are fees the VA does not allow the buyer to pay. The VA also prohibits a real estate agent from charging the buyer a commission. 

  • A tight shot of a nice home surrounded by grass
    VA Loan Seller Concessions

    The VA 4% rule keeps the seller from offering so many concessions that a buyer is tempted to take out a loan amount they can't really afford.