What Are VA Loan Closing Costs?

Closing costs are fees for the services required to complete a home loan.

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Updated · 2 min read
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Written by Barbara Marquand
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Edited by Alice Holbrook
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A VA mortgage offers a tantalizing benefit for current and veteran military members: No down payment is required.

But you'll still owe closing costs to finalize a home loan backed by the U.S. Department of Veterans Affairs.

Don't let these final costs scare you off from buying a home — or catch you off guard.

How much are VA loan closing costs?

Closing costs include the various fees required to settle a home loan. Generally, closing costs range from about 2% to 6% of the loan amount.

Like other mortgages, VA loan closing costs include such fees as:

  • An appraisal fee. For a VA loan, the appraisal estimates the home's value and determines whether the property meets the VA's minimum standards. The VA limits how much appraisers can charge.

  • Discount points, which are optional fees you can pay to lower the interest rate.

  • Government recording fees to update local property ownership records.

  • Loan origination charges for underwriting and processing the loan. 

  • Local and state taxes.

  • Prepaid expenses, such as home insurance and property tax.

  • Title-related costs, which may include title insurance, title search fee and others.

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