What are VA non-allowable fees?
Specific lender and third-party charges that VA does not permit the borrower to pay. Examples: attorney fees outside the limited allowable group, escrow waiver fees, certain processing/document-prep fees, and HUD/FHA inspection fees. Those costs shift to the seller or the lender.
Plain-English explanation
VA's lender fee rules require the lender to either charge a flat 1% origination (which absorbs most non-allowables) or itemize fees within VA's allowable list. Anything outside that list cannot be charged to the veteran. In practice this rarely changes the cash-to-close — the seller or lender absorbs the line. Florida-specific items: doc stamps on the mortgage are non-allowable in some structures, doc stamps on the deed sit with the seller in most contracts. Subject to VA guidelines.
What can change the answer?
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.
Want the real answer for your VA file?
VA guidelines are the rule. Your COE, entitlement, residual income, property, and Florida costs are what decide the actual answer.
More VA questions on Closing Costs
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.