The VA loan advantage is massive and quantifiable. On a $435,000 Las Vegas home, here is exactly how much a veteran saves vs a conventional borrower.
VA: $0 down. Conventional: 5% = $21,750. That is cash you keep in the bank, invest, or use for furniture and moving costs.
VA: $0 PMI forever. Conventional: ~$245/month PMI until you hit 20% equity (~7 years). Total PMI paid: $20,580. Plus the compound cost of that money = $36,000+ in real savings.
VA rates average 0.25% lower. On $435K, that is $65/month or $23,400 over 30 years in interest alone.
Total VA advantage: $66,000+ over 30 years. And that does not count the funding fee exemption for disabled veterans. See the full comparison →
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