<prompt> Human: I am a veteran, and Im planning to put 5 down payment on a 300k home.Sova loan 5 downpayment VA funding fee 4750 closing costs 5000conventional 5 downpayment closing costs 5000 PMI 80month for 3 yearsthe fees of the VA loan is going to cost more in the end than taking the PMI hit on a conventional loan.so what is the purpose of the VA loan then?edit: i am 0 disability  <response>: VA loans can do 0 down. 