VA FINANCING ADDENDUM 2025

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The VA Financing Addendum outlines the terms and conditions for a real estate contract involving VA financing. It specifies the requirements for obtaining a First Deed of Trust loan, details the financing contingency process, and addresses appraisal provisions, including procedures in case of a low appraisal. The addendum also covers seller responsibilities regarding loan charges, termite inspections, lender-required repairs, and deposit handling for newly constructed properties.

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What is a financing addendum?

Seller concessions are financial incentives or contributions from the seller that help reduce the buyers out-of-pocket expenses. The Department of Veterans Affairs (VA) allows these concessions to cover up to 4% of the loan amount, but they must be items outside of standard closing costs.

Can I sell my house after 1 year with VA loan?

What are some of the disadvantages of a VA loan? You will be required to pay VA funding fees. Consider the total cost of loan compared to total cost of house. Manufactured homes may require a minimum down payment and may not be eligible for a 30-year term. You cannot use a VA loan for rental properties.

What is a VA financing addendum?

An FHA/VA financing addendum is attached to a purchase contract to state that a buyer with FHA/VA financing can back out of the sale if the appraised property value is less than the asking price.

What fees cannot be charged on a VA loan?

If your lender is charging the flat fee, theres a host of things you cannot pay for, including: Loan application or processing fees. Broker or trustee fees. Interest rate lock-in fees.

How much do I need to make to buy a $400k house with VA loan?

If you want to sell your house with a VA loan, there is no required amount of time that you have to wait.

What is the 4% rule on a VA loan?

A financing addendum gives the buyer a specified amount of time to obtain financing to purchase the new home. If the buyer cannot secure financing, the addendum allows the termination of the contract or a time extension to explore other mortgage options.

VA FINANCING ADDENDUM 2025

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