What “Estimated Cash-to-Close” Really Means

When buying a home with a VA loan, “Estimated Cash-to-Close” and “closing costs” often get used as if they mean the same thing — but they don’t.

Closing costs include the fees and charges required to complete the loan, such as title, appraisal, and lender fees. Prepaids are items paid in advance — like property taxes, homeowner’s insurance, and prepaid interest.