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conventional Saves $66K+ Over Conventional

March 25, 2026 · 4 min read · By Vatche Saatdjian

The conventional loan advantage is massive and quantifiable. On a $435,000 Las Vegas home, here is exactly how much a homebuyer saves vs a conventional borrower.

Down Payment: $21,750 Saved

Conv: best for 720+ credit

PMI: $36,000+ Saved

Conv: best for 720+ credit

Rate Advantage: $8,000+ Saved

conventional rates average 0.25% lower. On $435K, that is $65/month or $23,400 over 30 years in interest alone.

Total conventional advantage: $66,000+ over 30 years. And that does not count the closing costs exemption for disabled homebuyers. See the full comparison →

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