VA Closing Cost Calculator
Estimate the cash you actually need at closing on a VA purchase loan — funding fee, lender and third-party fees, prepaid escrows, and any seller credit.
Purchase
VA loans allow zero down. Putting 5% or more lowers the funding fee.
VA funding fee
Veterans receiving VA disability compensation are usually exempt — the fee drops to $0.
Financing keeps it out of your closing cash but adds it to the loan.
Lender and third-party fees
VA caps the lender's flat charge at 1% of the loan amount.
Typically $2,500–$5,000 combined, depending on your state.
Prepaids and escrow
The first year's premium is normally paid at closing.
Lenders commonly collect 2–6 months up front.
Credits
Dollars someone else pays toward your closing costs.
Cash needed at closing
Estimated$10,386
Down payment $0 plus $10,386 in costs, less $0 in credits.
On a $400,000 home with 0% down, your loan is $408,600 (the $8,600 funding fee is financed), and you would bring roughly $10,386 to the table.
Loan
Closing costs due
The seller may pay your normal closing costs in full, and separately give up to 4% of the price — $16,000 here — in concessions such as paying off debt or prepaying taxes.
Only the funding fee can be financed into a VA purchase loan. Other closing costs are paid in cash or covered by a credit or gift.
Cash needed at closing
$10,386
What VA closing costs include
Closing costs are the one-time charges for originating and recording your loan, plus the money set aside up front for taxes and insurance. On a VA purchase loan they usually land between 2% and 5% of the price. The VA funding fee sits on top and is the only item you may roll into the loan.
VA protects buyers in two important ways: the lender's flat charge is capped at 1% of the loan amount, and a list of non-allowable fees cannot be passed to the veteran at all. See our VA loan closing costs guide for the full breakdown of who can pay what.
Lower the cash you need
Ask the seller to cover your customary closing costs, request a lender credit in exchange for a slightly higher rate, finance the funding fee, or use a gift from a relative. If you receive VA disability compensation, the funding fee is waived entirely — often the single largest line item.
Once you know your cash to close, check the payment behind it with the VA mortgage calculator, or confirm the fee itself with the VA funding fee calculator.
Frequently asked questions
How much are closing costs on a VA loan?
Most VA buyers see 2% to 5% of the purchase price in closing costs and prepaid escrows, plus the funding fee if it is not financed. The exact total depends on your lender's origination charge, local title and recording fees, and how many months of taxes and insurance are collected up front.
Can the seller pay my VA closing costs?
Yes. A seller can pay all of your normal, customary closing costs, and separately may give up to 4% of the price in concessions such as paying off your debts or prepaying your taxes. Only the concessions count toward the 4% limit.
Can I roll VA closing costs into the loan?
Only the VA funding fee can be financed into a purchase loan. Other closing costs must be paid in cash, covered by a seller or lender credit, or offset by a gift.
What fees can a VA borrower not be charged?
VA limits the lender's flat charge to 1% of the loan amount and prohibits the borrower from paying certain non-allowable fees, including attorney fees for the lender's benefit and most loan-processing fees beyond that 1%.
Sources and last verified
- VA funding fee rates: VA.gov funding fee and closing costs
- Rates effective April 7, 2023. Last verified August 31, 2026.
- Payments use standard amortization. No lender-specific pricing is applied.
- Every formula and assumption is documented in how we calculate.
Veteran Home Calc is an independent educational site. It is not affiliated with or endorsed by the U.S. Department of Veterans Affairs, and it does not sell leads or collect your numbers — results are estimates, not loan approvals, offers, or financial advice.