Introduction: VA Loan Closing Costs Nevada in 2025
Table of Contents
When buying a home with a VA loan in Nevada, closing costs are one of the most common questions—and surprises—for veterans and military buyers. While VA loans are famous for their $0 down payment, there are still closing costs to plan for. In this 2025 guide, you’ll find a detailed breakdown of VA loan closing costs Nevada buyers should expect, how they compare to other loans, and smart ways to save money.
First time using a VA loan in Nevada? Get started with our How VA Home Loans Work in Nevada guide.
What Are VA Loan Closing Costs Nevada Buyers Should Expect?
Closing costs are all the fees and expenses required to finalize your home purchase. Even with a VA loan, you’ll need to budget for:
- The VA funding fee
- Appraisal and inspection fees
- Title and escrow charges
- Lender fees and origination costs
- Government recording fees
- Prepaid property taxes and homeowners insurance
- Other third-party fees
Typical VA loan closing costs in Nevada are usually 2–4% of your home’s purchase price.
For a $400,000 home in Las Vegas, Reno, or Henderson, expect about $8,000–$16,000 in total closing costs.
Breakdown: Common VA Loan Closing Costs Nevada
| Cost Type | Typical Amount (2025) | Details |
|---|---|---|
| VA Funding Fee | 0.5%–3.3% of loan | Based on service & usage (see below) |
| Appraisal Fee | $650–$900 | Required VA appraisal |
| Title Insurance/Fees | $700–$1,400+ | Title search, insurance, escrow |
| Origination Fee | Up to 1% of loan | Charged by your lender |
| Credit Report Fee | $30–$60 | Credit pull |
| Recording Fee | $100–$250 | County to record deed |
| Pest Inspection | $75–$125 | Usually required in NV |
| Survey Fee | $300–$500 | Property boundaries (if needed) |
| Prepaid Taxes/Insurance | Varies | Upfront reserves for taxes & insurance |
| Other Third-Party Fees | Varies | Attorney, courier, notary, flood cert, etc. |
The VA Funding Fee Explained (Nevada 2025)
The VA funding fee is a one-time charge that keeps the VA loan program running. The amount depends on your service history, down payment, and if you’ve used a VA loan before.
2025 VA Funding Fee Table (Most Common Scenarios):
- First-time use, 0% down: 2.15%
- Subsequent use, 0% down: 3.30%
- 5% down: 1.50%
- 10% down: 1.25%
Exemptions:
- Veterans with a VA disability rating
- Surviving spouses
- Certain active duty Purple Heart recipients
Estimate your exact fee with the official VA funding fee calculator.
Learn more about the overall loan process in our How VA Home Loans Work in Nevada post.
Who Pays VA Loan Closing Costs in Nevada?
- You (the buyer): Most standard closing costs.
- The seller: Sellers can pay up to 4% of the loan amount in concessions (including prepaid taxes, insurance, and more).
- The lender: Sometimes offers credits to offset costs (often in exchange for a slightly higher rate).
Tip:
It’s common in Nevada to negotiate for the seller to pay part or all of your closing costs—especially with VA loans.
What Fees Can’t Nevada Veterans Be Charged?
The VA limits what you can be charged for, including:
- Real estate commissions (seller pays)
- Excessive lender or attorney fees (in most cases)
- Unnecessary “junk” fees
Learn more in our myth-busting blog: 5 VA Loan Myths Nevada Buyers Should Ignore (2025 Guide)
How to Lower VA Loan Closing Costs Nevada
- Shop multiple lenders and title companies. Fees can vary a lot.
- Negotiate for seller concessions. In Nevada, sellers can help cover many of your costs.
- Consider lender credits. Some lenders will cover part of your costs in exchange for a slightly higher interest rate.
- Finance the VA funding fee. Roll it into your loan rather than paying it upfront (if you want to keep more cash on hand).
- Check for VA funding fee exemptions. Disabled veterans are usually exempt—ask your lender!
VA Loan Closing Costs Nevada vs. Other Loan Types
- No monthly PMI: Unlike FHA or conventional loans, VA loans never require private mortgage insurance.
- Lower interest rates: VA loans often offer better rates, reducing your monthly payment.
- Seller concessions: You can negotiate more seller-paid costs with a VA loan than most other loan types.
- Flexible standards: VA loans allow lower credit scores and flexible qualification.
Learn how VA loans stack up against other options in How VA Home Loans Work in Nevada.
Frequently Asked Questions – VA Loan Closing Costs Nevada
Q: Can closing costs be included in my VA loan?
A: The VA funding fee can be rolled into your loan, but most other closing costs must be paid at closing. Seller concessions can help cover these costs.
Q: Are disabled veterans exempt from the VA funding fee?
A: Yes—if you have a qualifying VA disability rating, you’re typically exempt from the funding fee.
Q: How much are closing costs for a $400,000 VA loan in Nevada?
A: Usually between $8,000 and $16,000, but it can vary based on the property and negotiations.
Q: Can I buy a home with zero out-of-pocket costs?
A: Yes—if the seller covers all closing costs and you finance the VA funding fee.
Q: Are VA loan closing costs higher in Las Vegas or Reno?
A: Most fees are similar across Nevada, but some local taxes and title fees may vary by county.
Still have questions? Contact our team today for a custom estimate and expert advice!
Helpful Resources for Nevada VA Home Buyers
- How VA Home Loans Work in Nevada
- 5 VA Loan Myths Nevada Buyers Should Ignore (2025 Guide)
- U.S. Department of Veterans Affairs: VA Home Loan Program
- Nevada Department of Veterans Services
- Official VA Funding Fee Calculator
Ready to Buy With a VA Loan in Nevada?
Contact our local team to get your custom VA loan closing cost estimate, answers to your questions, and start your path to homeownership with confidence.
Get in touch today!
No responses yet