VA Seller Concessions Guide

Understanding what sellers can and cannot pay in your VA loan transaction

Seller Can Pay These Costs (Up to 4% of Purchase Price)

VA funding fee
Can be paid by seller or rolled into loan
Loan origination fees
Lender's processing and underwriting costs
Discount points
Points to buy down interest rate
Credit report fees
Cost of pulling credit reports
Title insurance
Lender's and owner's title policies
Recording fees
County recording and transfer taxes
State/local taxes
Property taxes and transfer taxes
VA appraisal fee
Required VA property appraisal
Survey costs
Property boundary surveys if required
Attorney fees
Legal representation at closing
Pest inspection
Termite and pest inspections
Prepaid items
Property taxes, insurance, HOA dues
Important Note:

The 4% limit applies to the total loan amount, not just the seller concessions. Any closing costs paid by the seller count toward this limit. Work with your loan officer to maximize the benefit within VA guidelines.