Veteran Owned & Operated 1-800-230-7201
Closing Cost Audit Tool
Loan & Fee Setup
Enter the loan details from the Loan Estimate or Closing Disclosure. The auditor checks every row against VA Chapter 8 rules, the 1% origination cap, 4% seller-concession limit, invoice requirements, state deviations, and TRID tolerances.
Funding fee credit, debt payoff, temp buydown, prepaid extras
Standard closing costs — uncapped per Ch. 8 Topic 5.b
LE / CD Line Items
Add each fee from the Loan Estimate. Optionally add the CD amount for TRID tolerance checking.

State & National Hints

Ready to audit
Waiting
Enter the loan details and fee rows, then run the audit.
1% Cap Used
$0
of $0 allowed
Concession Test
—
Add NOV and concessions
Docs Needed
0
Buyer-paid rows needing invoices
Audit Posture
Waiting
Derived from flags below
1% Lender-Fee Bucket$0 of $0
Flat origination + buyer-paid lender overhead.
Seller Concession MeterNeed NOV
Concessions only. Seller-paid closing costs are separate and uncapped.

Issues to Review

    Row-by-Row Audit

      Copyable Summary

      Use this as a rules-based audit aid, not a legal opinion. Reasonable/customary and invoice support still matter.
      Cash-to-Close Estimator
      Estimate total cash needed at closing. The equation shows every line. National category ranges are planning fallbacks only — always rely on your official Loan Estimate and Closing Disclosure.
      Cash-to-Close Breakdown
      Enter your scenario and click Calculate.
      Get Personalized VA Closing Cost Guidance
      A VA loan specialist can review your Loan Estimate and identify savings. No obligation.
      VA data last verified: February 17, 2026 (state deviations) · May 1, 2026 (appraisal fees) · September 21, 2026 (review)
      Sources: VA Pamphlet 26-7, Ch. 8 · 38 CFR 36.4313 · State Deviations (Feb 2026) · Circular 26-24-14 · Circular 26-24-19
      This tool is an educational audit aid. It is not a loan offer, legal opinion, or compliance certification. Always rely on your official Loan Estimate and Closing Disclosure.