What closing costs do VA loans have?
Title and escrow fees, recording, Florida doc stamps, the funding fee (unless exempt), prepaid taxes and insurance, escrow setup, per-diem interest, and lender fees that VA permits the borrower to pay. Some fees that VA does not permit borrowers to pay are paid by the seller or lender.
What this actually means.
VA's 'non-allowable fees' rule blocks the borrower from paying certain costs (attorney fees not in the limited group, transfer fees, escrow waiver fees, and others) — those shift to the seller or lender. The borrower can typically pay title insurance, recording, Florida doc stamps where contractual, prepaids, escrow setup, and the standard origination/lender fees within VA's overall fee structure. The 1% origination cap on lender fees ('1% rule') is VA-specific — the lender either charges a flat 1% origination or itemizes specific charges within VA's allowable list.
Where this can move.
Title and escrow fees, Florida doc stamps, the funding fee, prepaids, escrow setup, and lender fees within VA's allowable list. Non-allowable fees shift to seller or lender.
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Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.