VA seller concessions are one of the most powerful — and misunderstood — benefits available to veterans buying homes in Brevard County. With a VA loan, sellers can pay all buyer closing costs and contribute up to 4% of the purchase price in additional concessions, helping many veterans move into a home with little or even $0 due at closing.

What Closing Costs Does the VA Allow Sellers to Pay

With a VA loan, sellers are permitted to cover:

✔ All Buyer Closing Costs

There is no cap on seller-paid closing costs, which may include:

• Appraisal fees

• Title and settlement charges

• Lender fees

➕ Up to 4% in Seller Concessions

In addition to closing costs, VA loans allow sellers to pay up to 4% of the purchase price toward certain expenses, such as:

• Prepaid property taxes

• Prepaid homeowners insurance

• Escrow items

• Debt payoff needed for loan approval

• Temporary or permanent rate buydowns

This structure creates one of the lowest cash-to-close pathways of any mortgage program available today.

Closing Costs vs. Seller Concessions (VA Rules)

Closing Costs

• Examples: appraisal, title fees, lender fees

• VA Limit: Seller can pay 100%

Seller Concessions

• Examples: prepaid taxes, prepaid insurance, debt payoff, rate buydowns

• VA Limit: Capped at 4% of the purchase price

When these are combined properly, many veterans are able to preserve their savings while still securing competitive home financing.

How This Helps Veterans in Brevard County

This VA benefit is especially valuable for veterans who want to:

• Keep savings intact during a PCS or relocation

• Cover deployment-related expenses

• Qualify more easily when debt is a factor

• Submit stronger offers in the Space Coast housing market

We’ve helped veterans and active-duty families close homes near Patrick Space Force Base, as well as throughout Melbourne, Palm Bay, Viera, and Titusville, often with little or nothing due upfront.

Strategy Matters When Negotiating with Sellers

Not every seller automatically understands VA loans — which is why how the offer is structured matters.

We help by:

• Working with VA-friendly real estate agents

• Educating sellers and listing agents on VA guidelines

• Structuring competitive offers that still protect your benefits

• Ensuring your VA entitlement is used efficiently

As a veteran-owned lender, we work daily with service members and understand both the guidelines and the local Brevard County market.

You Earned This Advantage

Your service earned you access to one of the strongest home loan benefits available. Buying a home in Brevard County doesn’t have to drain your savings — not when VA rules allow sellers to shoulder much of the upfront cost.

Our job is simple: help you maximize every dollar you’ve earned.

👉 See how close you may be to $0 upfront with a VA loan:
MorganFinancial.net/Veterans