06/01/2026
💜 VA LOAN vs. CONVENTIONAL — Which one wins?
On a $600,000 home, here's the real breakdown:
🔵 VA Loan:
• 0% down ($0 out of pocket)
• 6.75% interest rate
• 2.15% funding fee ($12,900 rolled in)
• Monthly payment: $3,975
🔴 Conventional:
• 20% down ($120,000 out of pocket)
• 7.375% interest rate
• No funding fee
• Monthly payment: $3,315
The conventional loan has a lower monthly payment — BUT you had to come to the table with $120,000 cash first.
If you don't have $120K sitting around, the VA loan isn't just good — it's the ONLY path to homeownership at no money down.
That's a benefit you EARNED. Let me help you use it.
📞 Al Jones — The Purple Heart Realtor®
(256) 384-4488 | [email protected]
Keller Williams Huntsville | License #174243
