10/19/2026
Picking a loan type isn't just paperwork. It shapes your down payment, your monthly payment, and how long you'll pay mortgage insurance.
What the chart can't show you is which one is cheapest for you. That depends on your credit, your savings, and how long you plan to stay in the home.
FHA might get you in with less saved. Conventional could cost less over time if your credit is strong. And if you've served, VA benefits are worth asking about first.
The smartest move is comparing real numbers side by side with a lender before you start touring.
Save this so you have it handy when that conversation happens.