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Want to save money on VA home loan closing costs? In this video, we break down the simple timing strategy of closing at the end of the month vs. the beginning and why that choice can impact prepaid interest, escrow setup (taxes & homeowners insurance), and total cash to close. We also unpack the “skip a payment” myth, seller credits vs. VA seller concessions (4%), tax proration (paid current vs. in arrears), and how contract dates and delays (appraisal/repairs) can change your budget—sometimes by thousands of dollars.

If you’re a veteran or military spouse buying a home with a VA loan, this guide helps you set expectations, negotiate smartly, and avoid surprise costs at the closing table.

What you’ll learn

End of month vs. beginning: how timing affects days of interest and escrow deposits

The truth about “skip a payment” and why you’re really just prepaying interest

Escrow math (taxes & insurance): why earlier closings can require extra months collected

Seller credits (unlimited on VA) vs. VA seller concessions (4% cap)—and when you can use them to pay off consumer debt at closing

Tax proration: states paid current vs. in arrears and how credits reduce cash to close

Contract strategy: target closing dates, penalties, and common delay triggers (appraisal/repairs)

Chapters

00:00 Should you close at the start or end of the month?
00:22 The “skip a payment” myth explained
00:44 Why end-of-month often lowers closing costs
01:18 Prepaid/daily interest 101
01:37 Escrow setup: taxes & homeowners insurance
02:04 How timing can save thousands
02:22 What happens if your closing slips into next month
02:38 Common delay reasons (appraisal/repairs)
02:59 Negotiating the closing date & avoiding penalties
04:18 Read your contract (self-rep vs. agent)
04:40 Tax proration (current vs. arrears)
05:17 Seller credits vs. 4% VA seller concessions
06:16 Getting earnest money/escrows back when credits exceed costs
07:14 Strategic ways to use extra credits
07:38 Using VA concessions to pay off debt at closing
08:01 Title/lender fee pitfalls to watch
09:12 Contract language: general credit vs. closing-costs only
09:28 Bottom line & timing strategy recap

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DISCLAIMER: The content of VA Housing Education/VA Housing Education at Waterman Bank Channel is for educational purposes only. VA Housing Education Channel is provided under license by Waterman Bank. Waterman Bank will not extend credit of any kind without speaking to a Waterman Bank mortgage loan originator. The information on the VA Housing Education/VA Housing Education at Waterman Bank Channel should not directly be used to make decisions on home offers, purchasing decisions, is not guaranteed to provide specific results, imply lending terms, qualification amounts, or real estate advice. Any calculations should be verified independently. For real estate purchase advice consult licensed real estate, financial and legal professionals for advice. The views expressed on the VA Housing Education Channel and in all videos are those of the author or person presenting and do not represent those of Waterman Bank and are not intended to provide legal or compliance advice. The VA Housing Education/VA Housing Education at Waterman Bank Channel is not affiliated with or approved by the U.S. Department of Veterans Affairs (VA) or any other government agency. Contact Waterman Bank for your lending needs. Visit www.watermanbank.com or call 815-264-3201. Equal Housing Lender. NMLS #414704. Waterman Bank. Member FDIC.

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