That is a VA standard rate and cannot be negotiated down by VA law...it is unfortunate, but I paid the same fee at a different VA dealership when I bought my Gladiator and unfortunately did not know what Koons was offering (5% below invoice at the time on factory orders) until I was already 3 months into my order from a different dealership. Final experience was awful and I ended up almost walking out on it completely when I took delivery...Actually did walk out to take me trade to Carmax who wrote me a check in 20 minutes for almost $3,000 more than the dealers was offering me. I have not actually dealt with Koons directly, but did email them during my ordering process to get their offer in writing to use as leverage with my dealer. I wish I had actually given Koons a chance, but I had Gladiator fever and just didn't want to wait for a new order (mine took 4 1/2 months to begin with).$800 processing fee!!!!!!!!!