Free calculator
VA Closing Cost Calculator
Itemize estimated lender, third-party, prepaid, escrow, and VA funding-fee costs.
Estimated results
- Estimated net closing costs
- $9,150.00
- VA funding fee
- $8,600.00
- Final financed loan
- $408,600.00
- Prepaids and escrow
- $5,100.00
Methodology
- Add editable lender charges, third-party costs, prepaids, escrow funding, and any cash-paid funding fee.
- Subtract entered seller credits without treating excess credits as cash proceeds.
Independent educational estimate. This tool does not determine VA eligibility, make a credit decision, or provide a lender quote.
Authoritative sources
Rules and guidance last verified August 24, 2026.
- VA funding fee and loan closing costs
Official guidance on the VA funding fee, financing treatment, and purchase closing costs.
Frequently asked questions
Is the VA Closing Cost Calculator an approval decision?
No. It is an independent educational estimate, not a VA eligibility decision, underwriting approval, or lender quote.
Where do the rules come from?
The methodology is based on the official VA sources linked below and was last verified August 24, 2026.
Should I verify the result?
Yes. Confirm costs, eligibility, rates, and underwriting treatment with VA and your lender.