source:
  type: guide
  id: va-m26-7-ch08-t01
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 8, Topic 1 — VA Policy
    on Fees and Charges Paid by the Veteran-
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 8, Topic 1 — VA Policy
    on Fees and Charges Paid by the Veteran-.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch08-t01-full
  canonical_id: va-m26-7-ch08-t01-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 8, Topic 1 — VA Policy
    on Fees and Charges Paid by the Veteran-
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 8, Topic 1 — VA Policy
      on Fees and Charges Paid by the Veteran-
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 8f28fe2bcf1f2e28
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:44aecfeb4beae872a5dbb59f87b324e1fc8730143eaf4185b6cb0d71698e60f3
    paragraph_quote: '1. VA Policy on Fees and Charges Paid by the Veteran- Borrower
      Change Date November 8, 2012, Change 21 • This section has been updated to make
      minor grammatical edits. a. Policy The VA Home Loan program involves a veteran’s
      benefit. VA policy has evolved around the objective of helping the veteran to
      use his or her home loan benefit. Therefore, VA regulations limit the fees that
      the veteran can pay to obtain a loan. Lenders must strictly adhere to the limitations
      on borrower-paid fees and charges when making VA loans. b. The VA Funding Fee
      In order to defray the cost of administering the VA Home Loan program, each
      veteran must pay a funding fee to VA at loan closing. Congress may periodically
      change the funding fee rates to reflect changes in the cost of administering
      the program, or to assist a certain class of veterans. VA Pamphlet 26-7, Revised
      Chapter 8: Borrower Fees and Charges and the VA Funding Fee 8-3'
  judgment: false
