Updated November 11, 2026
Short answer
Yes. VA lets sellers or builders credit some or all of your closing costs, and it doesn't limit those credits. Seller concessions, like paying your funding fee or debts, are capped at 4% of the home's reasonable value.
Closing costs vs. concessions
VA doesn't limit credits for normal closing costs. "Concessions" (things of value at no cost to you, such as funding fee credits, paying off debt or prepaying hazard insurance) are limited to 4% of the reasonable value on your VA Notice of Value (VA.gov).
What can't be financed
On a purchase loan, only the funding fee can be rolled into the loan. Other fees are paid at closing (VA.gov).
Talk it through
Buying in Tampa Bay? Krystal Crichlow with eXp Realty works with VA buyers. Anywhere else in the U.S., she can refer you to a VA-experienced local agent at no cost to you. Use the form to tell us where and when.
Disclosure: TheBayPros' owner is related to Krystal Crichlow (eXp Realty), who may be among the agents introduced to you. You can choose any agent you like. We are not a lender and do not make loans. General information from VA.gov; rules change, so confirm with VA and your lender.