For VA loan pricing check the Military box. For USDA loan pricing check the Rural box. The closing costs shown for FHA, VA and USDA loans include the UFMIP, Funding Fee or Guarantee Fee charged by the agencies. Normally that fee is included in the loan amount, and you don't pay it in cash at closing, so subtract that amount from the closing costs shown unless you plan on paying it at closing instead of financing it. Click the closing cost amount shown for a breakdown of the closing costs. Hazard insurance and taxes cannot be waived unless you are putting at least 20% down or have that much equity in the property if you are refinancing.