Get a quick, personalized estimate of your VA loan closing costs. This free calculator includes your VA funding fee, lender fees, and typical third-party charges — so you know what to expect before you buy.
This calculator helps you estimate your total closing costs, based on your purchase price, funding fee eligibility, and typical lender and title-related charges.
It’s designed to reflect realistic VA loan costs without overestimating. You’ll see:
You can adjust key variables to see how first-time use, exemption status, or down payment affect your final out-of-pocket amount.
While VA loans don’t require a down payment, they do come with one-time upfront fees you’ll pay at closing. These typically include:
VA Funding Fee: A one-time fee paid to the VA unless exempt.
Lender Fees: Origination, underwriting, and processing fees.
Title & Appraisal: Fees for title insurance and independent appraisal.
Recording Fees: Costs to legally record the transaction with the county.
Even though VA loans limit what you can be charged, there are still several ways to reduce what you owe at closing:
Ask the seller to pay some or all of your costs (up to 4%).
Compare VA lenders — some charge far less in fees than others.
Finance the VA funding fee into your loan (if needed).
Shop title services to find competitive pricing.
Use lender credits in exchange for a slightly higher rate.
Now that you’ve estimated your closing costs, you’re in a better position to plan your purchase.
Whether you're buying your first home or using your VA loan benefit again, understanding the fees upfront helps you shop smarter.
