🏠🎖️ Who Pays the Closing Costs on a VA Home Loan?

VA Loans are amazing because they offer $0 down, but what most people don’t realize is that closing costs can still add up to thousands of dollars. 💸 On a $400,000 home, closing costs like lender fees, escrow, title, insurance, and taxes can be $10,000 to $16,000.

Here’s the truth: some VA costs are capped, some you can’t pay at all, and some you can manage creatively. Here’s how:
1️⃣ Ask the seller to cover them – VA allows the seller to pay all closing costs.
2️⃣ Get a lender credit – slightly higher rate but fewer upfront dollars.
3️⃣ Raise the purchase price – fold the costs into the home price.
4️⃣ Use a gift, grant, or personal loan – all VA-approved options.

💡 Bonus Tip: Some costs like prepaid taxes or mortgage points might be tax deductible. Always check with your tax advisor.

DM me “VA Closing” and I’ll send you the full checklist so you’re never caught off guard at the table! ✅

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