Often, when you have a VA home loan there are other fees that may be charged, but which must be authorized by the VA to become applicable. It is the lender that will contact the local VA office seeking approval of these additional fees, which may be included among the closing costs. They may be assessed if they are typically paid the borrower in certain areas or jurisdictions or if they are considered reasonable and customary in the same district.

Take a look at the following fees, many of which that will be covered by the lender if not approved by the VA:

document preparation fees
preparing loan papers
attorneys services other than for title work
photographs
interest rate lock-in fees
postage and other mailing charges
stationery
telephone calls
amortization schedules
escrow fees or charges
notary fees
trustee’s fees or charges
loan application or processing fees
charges by loan brokers
tax service fees

It is also possible that these fees can be incorporated with other closing costs into the cost of the loan and then paid by the seller. There is some room for negotiation in these matters, so it might be helpful to consult the real estate agent or even the lender when deal with this stage of the transaction.