{"id":16021,"date":"2018-03-29T13:05:32","date_gmt":"2018-03-29T13:05:32","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/uncategorized\/2018\/03\/29\/have-a-va-loan-you-cant-be-charged-these-fees-at-closing\/"},"modified":"2026-08-08T01:54:22","modified_gmt":"2026-08-08T01:54:22","slug":"have-a-va-loan-you-cant-be-charged-these-fees-at-closing","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/navytimes\/home-hq\/2018\/03\/29\/have-a-va-loan-you-cant-be-charged-these-fees-at-closing\/","title":{"rendered":"Have a VA loan? You can\u2019t be charged these fees at closing"},"content":{"rendered":"\n

While most VA-backed loan users will pay a funding fee<\/a> as part of their participation in the program, the agency has rules in place that prohibit veterans from paying other fees related to their new mortgages.<\/p>\n\n\n\n

But VA-backed borrowers<\/a> won\u2019t be exempt from everything. Here\u2019s a quick look at what costs you may or may not be asked to cover, courtesy of the VA Lenders Handbook<\/a>; for more on the VA loan process, visit our VA Loan Center<\/a>.<\/p>\n\n\n\n

Lawyer up? <\/b>Veteran borrowers can\u2019t be charged general attorney\u2019s fees by their lender, but they are free to pay for a lawyer independently of their loan to look over documents. Lenders also may charge borrowers for specific legal costs, such as title examination and insurance.<\/p>\n\n\n\n

Brokerage ban.<\/b> Borrowers cannot \u201cunder any circumstances\u201d pay buyer-broker fees as part of their loan. Per the handbook, the fees aren\u2019t necessary because \u201cinformation on property available for purchase and financing options is widely available to the public from a variety of sources.\u201d These brokers can be used by the lender, but they can\u2019t pass the cost forward.<\/p>\n\n\n\t