How Much Are VA Appraisal Fees?

When looking to buy, build, or refinance a home using a VA loan, a VA appraisal must be performed. Although, the exception is that an appraisal is not required on a VA Interest Rate Reduction Refinance Loan (VA IRRRL). The purposes of this VA valuation report are to determine the value, condition, and safety of the home. Thus, lenders, the Department of Veteran Affairs, and even Veterans depend heavily on this key information. But, a common question Veterans ask involves the amount of the VA appraisal fees. In order to keep costs affordable, VA sets a cap which VA appraisers may charge and it varies regionally.

Additionally, no lender may up-charge the appraiser’s fee. Whatever the actual charge is, the lender must only pass that along to borrowers. Even borrowers who pay the lender up-front must receive a refund if the actual cost comes in lower.

Maximum VA Appraisal Fees Vary by Property Type

There are four main types of appraisal forms involved in VA loans.

  • Single Family (1004 Appraisal)
  • Condominium (1073/1075 Appraisal)
  • Manufactured Homes (1004C Appraisal)
  • 2 – 4 Unit Multi Family (1025 Appraisal)

Because of specific requirements involved with condos, manufactured homes, and multi family properties, the VA appraisal fees may be higher when compared to traditional single family homes. Depending on the area and appraiser, the increase could be $0 – $200 higher. Multi family units are the most expensive.

VA Appraisal Cancelled Orders

Sometimes, various situations require buyers or lenders to cancel an appraisal order. For the fortunate few, it is prior to any performed work. Thus, there is no fee and anything paid up-front is refunded by the lender. Although, once a portion of the work has been performed, the VA appraiser may charge for their work.

In order to cancel a VA appraisal, lenders must notify the assigned appraiser and the applicable VA Regional Loan Center. The following is an example of maximum fees for cancelled orders:

  • Work completed prior to appointment – $50
  • Appointment made, notes in VA system – $175
  • Review of the home interior – 50% of posted fee
  • Over 50% of work completed, report must be completed – full fee

Additional VA Appraisal Fees Allowed

Occasionally, there are circumstances which put additional work on an appraiser. VA realizes this and will allow cases of extra fees to cover these areas. Although, any extra fees must be approved by the applicable VA Regional Loan Center prior to inspection. Examples of possible extra VA appraisal fees include…

  • Complex properties
  • Excessive mileage to property
  • Unusual circumstances (weather, unpassable roads, islands)
  • Extra transportation requirements (boat, air, specialty vehicles)
  • Additional work required for final inspection of new construction **

** On new construction, a final inspection fee is allowed up to typically $150. But, if additional work is needed during the final inspection, an extra $50 could be approved. So, let’s get into the state maximum VA appraisal fees.

VA Appraisal Fees in NC

The Department of Veteran Affairs splits the U.S. into specific regions. North Carolina is serviced by the Atlanta Regional Loan Center. In addition to NC, the Atlanta Regional Loan Center services SC, Tennessee, and Georgia. Recently VA announced the maximum VA appraisal fees for all states. The following are the costs for North Carolina counties.

Area Single Family Condo Manufactured Home Multi Family
Higher cost $575 $575 $575 $655
Lower Cost $525 $550 $550 $625

Higher cost NC counties includes: Avery Buncombe, Burke, Caldwell, Cherokee, Clay, Graham, Haywood, Henderson, Jackson, Macon, Madison, McDowell, Mitchell, Swain, Transylvania, Watauga, and Yancey.

All other NC counties are included in the “lower cost” price range.

VA Appraisal Fees in SC, TN, GA

SC, TN, and GA are also serviced by the Atlanta Regional Office and the stated turn time requirements for VA appraisers are as follows.

State Single Family Condo Manufactured Home Multi Family
South Carolina $425 $475 $525 $600
Georgia $450 $475 $475 $600
Tennessee $500 $525 $525 $625
TN Higher Cost $575 $575 $575 $650

VA Appraisal Fees in Virginia, DC, KY, MD, & WV

The Roanoke Regional Loan Center serves Virginia, District of Columbia, Kentucky, Maryland, and West Virginia. So, lenders and Veterans with questions may reach out for assistance here. Effective April 1, 2019, the following are the maximum VA appraisal fees set by Veteran Affairs.

State Single Family Condo Manufactured Home Multi Family
Virginia $525 $525 $525 $700
DC $525 $525 $525 $700
Maryland $525 $525 $525 $700
Kentucky $475 $475 $475 $625
West Virginia $575 $575 $575 $800

VA Appraisal Fees in CA, AZ, HI, NV, & NM

The Phoenix Regional Loan Center services VA lenders and Veterans in California, Arizona, Hawaii, Nevada, and New Mexico. The VA has set the following maximum appraisal fees for these states.

State Single Family Condo Manufactured Home Multi Family
Arizona $600 $600 $600 $750
AZ Counties $600 $600 $600 $850
California $600 $600 $600 $850
Hawaii – Guam $700 $700 $700 $1200
Hawaii – Saipan $600 $600 $600 $1200
Hawaii $675 $675 $675 $1200
Nevada $600 $600 $600 $850
New Mexico $600 $600 $600 $850

VA Appraisal Fees in Texas, Arkansas, Louisiana, & Oklahoma

The Houston VA Regional Loan Center services Texas, Arkansas, Louisiana, and Oklahoma VA lenders and Veterans. For VA purchase or refinance appraisals, the VA has set maximum appraisal fees as follows.

State Single Family Condo Manufactured Home Multi Family
AR $500 $500 $550 $550
Rural AR $575 $575 $625 $625
Louisiana $500 $525 $550 $550
Rural LA $600 $625 $650 $650
Oklahoma $500 $550 $550 $550
Rural OK $550 $575 $600 $600
Texas $500 $525 $550 $550
Rural TX $700 $700 $750 $750

VA Appraisal Fees in CT, DE, IN, ME, MA, MI, NH, NJ, NY, OH, PA, RI, VT

The Cleveland Regional Loan Center services VA lenders and Veterans. For VA purchases and refinancing, VA has set the maximum appraisal fees at the following for these states.

State Single Family Condo Manufactured Home Multi Family
Connecticut $525 $525 $525 $675
Delaware $550 $550 $550 $700
Indiana $525 $525 $525 $675
Maine $675 $675 $675 $800
Massachusetts $525 $525 $525 $675
Michigan $525 $525 $525 $675
Michigan Upper $600 $600 $600 $700
New Hampshire $550 $550 $550 $700
New Jersey $525 $525 $525 $675
New York $525 $525 $525 $675
Ohio $525 $525 $525 $675
Pittsburgh ** $525 $525 $525 $675
Philadelphia $525 $525 $525 $675
Rhode Island $525 $525 $525 $675
Vermont $650 $650 $650 $800

** Due to the lack of county reporting & electronic records, an additional $50 above the above is allowed by VA.

Michigan Upper includes: Mackinac, Chippewa, Luce, Schoolcraft, Alger, Delta, Marquette, Menominee, Dickinson, Iron, Baraga, Houghton, Googebic, Ontonagon, Keweenaw.

VA Appraisal Fees for AK, CO, ID, MT, OR, UT, WA, & WY

The Denver VA Regional Loan Center serves a lot of rural areas which increases the maximum appraisal fees. Furthermore, the appraisal turn times are as much as 28 business days!

State Single Family Mfg Home Duplex Triplex 4 Plex Condo
Alaska $800 $850 $1000 $1100 $1200 $850
Colorado $750 $800 $900 $950 $1000 $775
Idaho $600 $650 $700 $750 $800 $650
Montana ** $900 $950 $1050 $1075 $1100 $900
Rest of MT $800 $850 $950 $975 $1000 $850
Oregon $800 $850 $900 $1000 $1100 $850
Utah $600 $650 $700 $750 $800 $650
Washington $800 $900 $925 $1100 $1200 $850
Wyoming $600 $650 $700 $750 $800 $650

** Includes Dawson, Richland, and Pondera

VA Appraisal Fees for Illinois, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota, & Wisconsin

The St. Paul Regional Loan Center serves VA lenders and Veterans in the above states. The following chart provides the maximum appraisal fees allowed.

State Single Family Condo Manufactured Home Multi Family
Illinois $450 $450 $450 $625
Iowa $450 $450 $450 $625
Kansas Metros & Counties $450 $450 $450 $600
Kansas $500 $500 $500 $650
Minnesota Counties $550 $550 $550 $725
Minnesota $450 $450 $450 $625
Missouri $450 $450 $450 $575
Nebraska Metros & Counties $475 $475 $475 $650
Nebraska $525 $525 $525 $700
North Dakota Metros/Counties $625 $625 $625 $800
North Dakota $675 $675 $675 $850
SD Metro & Counties $500 $500 $500 $650
South Dakota $575 $575 $575 $750
Wisconsin $450 $450 $450 $600

Kansas Metros & Counties include Kansas City, Manhattan, Topeka, Wichita metro areas and these counties, Butler, Douglas, Harvey, Jefferson, Johnson, Leavenworth, Miami, Osage, Pottawatomie, Riley, Sedgwick, Shawnee, and Wyandotte.

Minnesota Counties include Clay, Kittson, Marshall, Norman, Polk, and Wilkin

Nebraska Metros & Counties include Lincoln and Omaha metro areas and these counties: Cass, Dodge, Douglas, Lancaster, Sarpy, Saunders, Seward, and Washington

North Dakota Metros & Counties: Fargo and Grand Forks and these counties: Cass and Grand Forks

South Dakota Metros & Counties: Sioux Falls metro and these counties: Lincoln and Minnehaha.

VA Appraisal Fees Florida, Alabama, Mississippi, Puerto Rico, Virgin Islands

State Single Family Condo Multi Family
Florida $450 $450 $625
Alabama $450 $450 $625
Mississippi $450 $450 $625
Puerto Rico $375 $375 $625
U.S. Virgin Islands $675 $675 $850

VA Loan Solutions

Do you have other VA loan questions? Check out other VA articles on this site or ask a question.

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