<prompt> Human: I have a VA loan for a townhouse, but none of the ones in my area are very good. I found one that is fantastic, in my price range, in a great area, literally everything I want. However, it doesnt take VA loans. I can switch it over to a conventional loan, but then I have to make a down payment. I can afford it, but it would bleed my emergency fund and my vacation fund completely dry. I have no debt whatsoever, and the mortgage, hoa, taxes, insurance and ect would be several hundred less than what Im paying now to rent.I feel that it would be easy to rebuild the emergency fund given lowered expenses, but I am nervous about draining all accounts completely dry.  <response>: nope. if its easy to rebuild your emergency fund, its easy to save for a downpayment. 