I understand this is a fairly common practice, moving costs around to avoid the VA fee threshold. My bank will not participate in this even if it means we have to pay a fee ourselves. For example: If an examiner comes in and see that an attorney that you use on a regular basis charges $300 for title search for all loan types except VA, where they charge $800, I can't see that going very well at all. How can it be justified? VA set the fee limits for the benefit of the veteran and working around those limits is opening the door for lots of trouble.