What closing costs do VA buyers pay in Shasta County?

Buying in Redding with a VA loan? Learn how closing costs, the funding fee and cash to close fit your homebuying plan.

Luke Ruggiero

10/26/20261 min read

white concrete building during daytime
white concrete building during daytime

A VA home loan may let an eligible buyer purchase without a down payment, but that does not automatically mean no money is needed at closing. For a Redding or Shasta County purchase, review the entire transaction budget before making an offer.

Separate the down payment from other costs

VA purchase eligibility includes a Certificate of Eligibility, qualifying credit and income, and occupancy requirements. Appraised value and your available entitlement can affect the financing available. Start with a review of your circumstances rather than assuming every property can be purchased with no cash. VA purchase-loan guidance.

Ask about the funding fee and other charges

A VA funding fee may apply unless you qualify for an exemption. It can be paid at closing or financed; financing increases the amount you borrow. Other possible expenses include appraisal, origination charges, taxes and insurance. Buyers and sellers can negotiate payment of certain closing costs, subject to VA rules and the contract. Ask Luke to separate the funding fee, other closing costs and any negotiated credits in your estimate. VA funding fee and closing costs.

Bring these questions to your planning call

What would I pay before closing? What remains due on closing day? Is my funding fee exemption confirmed? What happens if the seller offers no credit? Have I obtained an insurance quote for this particular home?

Those questions turn a general loan discussion into a practical buying plan. Review VA home loan guidance, explore mortgage help in Redding and Shasta County, or book a free 15-minute call with Luke.

By Luke Ruggiero, Professional Mortgage Associates. Individual NMLS 1713993; CA DRE 02069888. Company NMLS 815819; CA DRE 01902537. Sources checked October 22, 2026. Educational information, not a Loan Estimate, preapproval or commitment to lend. Eligibility, terms and actual costs vary.