### Zero Down vs No Closing Costs on a VA Loan – The Difference That Saves (or Costs) Maryland Veterans Thousands
Navy Veteran & Top 1% Maryland Realtor Adam Chubbuck here (300+ families helped, $100M+ closed).
You keep hearing “zero down” and “no closing costs” on VA loans.
They sound the same… but they’re NOT.
🔥 Zero Down = VA’s gift
→ You finance 100% of the purchase price.
→ $500k home in Glen Burnie? You owe $0 toward the price.
❌ But you STILL owe $10k–$16k in closing costs & funding fee.
🔥 No Closing Costs = The game-changer
→ Lender (or seller) pays those fees for you.
→ How? You take a slightly higher rate (usually +0.25–0.50%) and get a big credit that wipes out every cost.
→ Result: Many of my veterans literally bring $0 to closing — or get money back.
Real 2025 example ($500k purchase):
- Best rate (6.25%): Pay $14k cash to close
- Slightly higher rate (6.75%): $0 to close, only ~$165 more per month
If you PCS, sell, or refi in under 7–8 years → no-closing-cost wins every time.
Most Fort Meade, Annapolis, and Pax River & Aberdeen families I help choose true $0 out-of-pocket and keep their cash for moving or upgrades.
Don’t leave your hard-earned benefit on the table because nobody explained the difference.
VA eligible and house-hunting in Maryland? DM me “VA” and your price range — I’ll send your custom zero-to-close breakdown today. 🇺🇸🏡
— Adam Chubbuck
Team Alpha Charlie | Douglas Realty
