source:
  type: guide
  id: va-m26-7-ch08-t06
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 8, Topic 6 — What Happens
    to Fees and Charges If the Loan Never
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 8, Topic 6 — What Happens
    to Fees and Charges If the Loan Never.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch08-t06-full
  canonical_id: va-m26-7-ch08-t06-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 8, Topic 6 — What Happens
    to Fees and Charges If the Loan Never
  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 6 — What Happens
      to Fees and Charges If the Loan Never
    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: '6. What Happens to Fees and Charges If the Loan Never Closes?
      Change Date November 08, 2010, Change 15 • This section has been updated to
      make minor grammatical edits. a. Itemized Fees and Charges The borrower’s out-of-pocket
      expenses for itemized fees and charges already incurred, such as the appraisal
      and credit report, do not get refunded. b. The One Percent Flat Fee If the lender
      has already collected the one percent flat fee from the borrower, the lender
      must refund the fee. This applies to a loan that does not close for any reason,
      including the borrower going to another lender. VA Pamphlet 26-7, Revised Chapter
      8: Borrower Fees and Charges and the VA Funding Fee 8-15'
  judgment: false
