Loan Officer Tools · VA vs. Conventional

Show the VA and conventional tradeoffs clearly.

Compare funding fee, PMI, payment, cash to close, and a five-year illustration using the borrower’s actual quote.

Step 1 of 2

Enter both loan paths

Funding-fee status, actual lender pricing, and eligibility must be confirmed before any loan recommendation.

Shared purchase

Purchase Price

Estimated Closing Costs

VA Option

Option A

Down Payment (%)

Interest Rate (%)

VA Funding Fee (%)Enter 0% if the borrower is funding-fee exempt.

Lender Credits ($)

Conventional Option

Option B

Down Payment (%)

Interest Rate (%)

Annual PMI (%)Use the actual quoted PMI rate.

Lender Credits ($)

Illustration only—not a Loan Estimate, approval, or pricing commitment. VA funding fees can vary based on loan type, use, down payment, and exemption status. VA funding fees may be financed, but other purchase costs generally cannot be financed. PMI, costs, rates, credits, taxes, insurance, eligibility, entitlement, residual income, and program requirements are not calculated. The five-year view holds the entered PMI constant. Confirm official Loan Estimates and VA eligibility details.