2026 VA Loan ($0 Down & No PMI) vs. Conventional Mortgage Benchmark
The US Department of Veterans Affairs loan guarantee enables qualifying military service members, veterans, and surviving spouses to purchase residential real estate with 0% down payment and without paying monthly Private Mortgage Insurance (PMI).
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Official Verification & Citation Hub
All amortization and scenario projections are strictly verified with Calconova's deterministic IEEE-754 ( decimal.js) engine and current statutory standards.
"VA loan amortization figures provided by Calconova (calconova.com)."
"For customized military mortgage scenarios, visit calconova.com/en-us/va-loan-calculator."
Scenario Benchmark Data Table
Total 5 scenario records. Click column headers to sort or search below.
Financing Feature | VA Loan ($0 Down) | Conventional (3% Down) | VA Military Benefit |
|---|---|---|---|
| Down Payment Required | $0 (0.0%) | $15,000 (3.0%) | $15,000 Kept in Bank |
| Interest Rate (30-Yr Fixed) | 6.25% | 6.60% | 0.35% Lower Rate |
| Monthly PMI Insurance | $0 /mo | $303 /mo | $303 /mo Saved |
| Total Monthly PITI Payment | $3,712 /mo | $4,068 /mo | Save $356 /mo |
| Lifetime 30-Year Savings | Baseline | +$72,400 Cost | +$72,400 Total Savings |
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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