Is it cheaper to use a VA loan with zero down or a conventional loan with ten percent down considering funding fees?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it cheaper to use a VA loan with zero down or a conventional loan with ten percent down considering funding fees?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 VA home loan funding fee rates first use subsequent use 0 down 2026 official VA Google ↗
conventional mortgage PMI 10 percent down cancellation 80 percent loan to value CFPB Google ↗
- What is private mortgage insurance? · consumerfinance.gov
- At what point can I remove the Private Mortgage Insurance (PMI) from my loan? · helpwithmybank.gov
- Loan Fees · benefits.va.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 VA home loan funding fee rates first use subsequent use 0 down 2026 official VA OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
conventional mortgage PMI 10 percent down cancellation 80 percent loan to value CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |