My client misunderstood that the VA Funding fee can be rolled into the loan above the approval amount; he made a mistake in asking the seller to pay for the VA funding fee- which of course is a very high amount and was not accepted. Once he understood it could be rolled in, he revised his offer to pay for closing costs- offer accepted! Also, I advised him to go to the VA and see about getting disability eligible to avoid the VA Funding fee- if a veteran collects any amount of disability, the VA Funding fee is waived.