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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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I am in the military and I’m in the process of closing on my first VA home loan. I hear that servicemembers and veterans do not have to pay many of the closing costs associated with a typical closing. How do I know what I should pay and what I should not pay?

Answer:

The VA program does have limits on fees, compared to many other mortgage loan programs. 

Three business days before closing, your lender provides you with a form called the Closing Disclosure. This form lists all the fees associated with getting the loan and breaks them down into categories to clearly indicate who pays what fee. Page 3 of the Closing Disclosure shows what fees you are responsible for and how much money you need to pay to close on the loan.

It’s a good idea to bring your Loan Estimate, Closing Disclosure, and any other loan documents to your Legal Assistance Office for review. If that’s not possible, you may download a pamphlet that explains your fees from the VA’s home loan website . If you still have questions or concerns, call your regional VA office or call the VA main Home Loan information line at 1-877-827-3702 for assistance.

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