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VA 不包括關閉費用，但是，您可以與賣家協商讓步。對於這些優惠，您最多可以獲得房屋價值的 4%。只要賣家有賣房的積極性，你就可以和他協商讓步。但是，您必須知道這些費用是您的責任。
貸款利率
如果您有資格獲得 VA 貸款，則無需支付手續費。但是，貸款確實有一定的要求。您可能需要擁有經過批准的信用記錄或信用評分較低。 VA 可以幫助您確定哪些要求適用於您。您可以索取信用報告的副本。該報告包含您的信用記錄和分數。如果你的分數低，你可能沒有資格獲得貸款。
資金費是您需要支付的另一項費用。該費用通常為貸款金額的 0.5%。但是，如果您有至少 5% 的首付，則可以降低此費用。您可以選擇以現金支付費用或將其計入貸款金額。
與 VA 貸款相關的其他費用可能包括抵押公司費用，以確保您繳納房地產稅。抵押貸款經紀人也可能收取費用。 VA 批准的貸方應該告訴您允許的其他費用。費用可能會有所不同，應在完成申請之前與貸方核實。
VA 貸款也沒有首付，因此成本通常低於傳統抵押貸款。但是，關閉成本可能會有所不同。對於 300,000 美元的房屋貸款，這些費用可能在 9,000 美元到 18,000 美元之間。您的貸方將為您提供詳細說明確切費用的貸款估算。如果貸方同意支付費用，您可以將關閉費用融資到貸款中。
申請 VA 貸款的另一個好處是它限制了關閉貸款的成本。 VA 貸款對貸方可以收取的費用有嚴格的指導方針。您可能需要支付貸款金額的百分之一，以確保貸方能夠支付這筆費用。如果您願意，您甚至可以選擇在交易結束時支付費用。但是，如果您選擇為費用提供資金，您將支付該金額的利息。
Homepage: https://www.theversed.com/members/yardteam0750/activity/454035/
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