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Your VA benefit vs conventional - the numbers side by side

Your VA Loan Advantage

{{example.name}} ({{example.serviceNote}}) buying at {{example.homePrice}} in Northern Virginia. VA path: zero down, no monthly mortgage insurance. Side-by-side comparison with conventional - and how keeping cash invested builds wealth.

Your VA milestone journey Eligibility check to move-in
Check eligibility
Get pre-approved
Find your agent
House hunt
Make an offer
VA appraisal
Underwriting
Clear to close
Move in
Cash kept vs a low-down conventional loan {{example.cashKept}} Kept working vs tied up in a down payment - plus no monthly PMI. Illustrative; not a guarantee.
Factor VA Loan (no money down) Conventional (smaller down) Conventional (larger down)
Home price {{example.homePrice}} {{example.homePrice}} {{example.homePrice}}
Down payment required None Required Required (larger)
Monthly mortgage insurance None Typically applies Typically none with a larger down payment
VA funding fee (one-time) A one-time funding fee may apply; often financed; exempt with VA disability N/A N/A
Cash kept / available to invest More cash kept - nothing down Some cash used as down payment More cash used as down payment
Loan reusable after payoff Yes - full entitlement restores N/A (no entitlement concept) N/A (no entitlement concept)
Assumable by future buyer Yes - VA-to-VA assumption possible Typically no Typically no
Best for... Eligible veterans/service members who want to keep cash and skip PMI Buyers without VA eligibility who want to minimize upfront cash Buyers who want no PMI and have significant cash reserves

Two separate wins

Cash flow win
No monthly PMI at all - None vs the PMI a comparable low-down conventional loan carries.
That means real money back in your pocket every month from day one - not tied to appreciation or rate changes. Figures illustrative.
Wealth-building win
Zero down keeps ~{{example.cashKept}} working for you instead of locked in a down payment.
Reusable entitlement lets you use the VA benefit again on the next home - building a portfolio over a career. Figures illustrative; investment returns not guaranteed.

Entitlement facts

Loan limit
None set by the VA with full entitlement*
Reusable
Restores after payoff or sale
COE
Confirms your entitlement amount
Assumable
A future buyer may assume with lender approval

*Lender-imposed limits may still apply. Facts are program-level, not a quote for your loan.

Four questions to evaluate your VA path

1
Are you eligible for VA benefits?

Active-duty, veterans, Guard/Reserve, and certain surviving spouses may qualify. The VA determines eligibility via a Certificate of Eligibility (COE).

2
Do you want to keep your cash invested?

VA's zero-down path keeps {{example.cashKept}} (vs a low-down conventional loan) available to you rather than tied up in a down payment.

3
Are you aware of the VA funding fee?

A one-time funding fee is the main VA-specific cost. It is often financed into the loan and may be waived with a VA disability rating.

4
Is this your only home - or are you building a portfolio?

Reusable VA entitlement means the benefit can come back after payoff or sale - and you can sometimes hold two VA loans at once with partial entitlement.

Mistakes to avoid Three ways VA buyers lose time

✗Assuming a VA offer won't compete. A well-presented VA offer is not automatically weaker - work with a VA-savvy agent who knows how to position it.
✗Skipping VA appraisal prep. The home must meet VA minimum property standards - address obvious issues before the appraiser visits.
✗Letting income or orders change mid-process. PCS orders, job changes, or new debt during underwriting can delay your clear-to-close.
Scan for your personalized VA loan analysis

See your own numbers - free

We run your VA vs conventional comparison: zero-down path, no-PMI savings, funding fee impact, and your entitlement picture.

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{{compliance.pendingLabel}}   Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Appreciation, income, and tax treatment vary and are not guaranteed. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals. Consult a tax advisor. NMLS Consumer Access: www.nmlsconsumeraccess.org. CrossCountry Mortgage, LLC is a private lender and is not affiliated with, acting on behalf of, or endorsed by the U.S. Department of Veterans Affairs, HUD, FHA, or any government agency. A VA funding fee may apply and varies by service category, down payment, and prior use of the benefit; some borrowers, such as those receiving VA disability compensation, may be exempt. All loans are subject to VA eligibility, credit approval, and underwriting; not all applicants will qualify.