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What Is Rd Loan conventional mortgage loan Va Loan Rates Vs Conventional Difference Between Fha And Va Loans "Not only is there no down payment requirement, but eligible borrowers don’t pay mortgage insurance as they would with any FHA. VA loan and buy a more expensive property, you just have to make a.Conventional loans with less than 20% down charge private mortgage insurance. It can be charged as an upfront expense payable at closing, or built into your monthly payment – or both. It all depends.