VA Loan vs. FHA Loan: Side-by-Side Rate and Fee Comparison for 2026 - LoanKey

VA Loan vs. FHA Loan: Side-by-Side Rate and Fee Comparison for 2026 - LoanKey

LoanKey Rating: 4.7 out of 5 | Updated April 10, 2026 | Reviewed by LoanKey Editorial Team VA loans and FHA loans are both government-backed mortgages, but they serve different borrowers and carry very different long-term costs. VA loans are available exclusively to eligible US veterans, active-duty service members, and qualifying surviving spouses, and they require no down payment and no monthly mortgage insurance. FHA loans are open to any qualifying US borrower and require a minimum 3.5% down payment plus both upfront and annual mortgage insurance premiums. This comparison covers current rates, upfront costs, monthly costs, loan limits, credit requirements, and the total cost difference over 30 years. Current Rates: VA vs FHA - April 2026 Loan Type Average Rate (April 2026) Source 30-year VA fixed 6.46% Bankrate / Fortune data April 2026 30-year FHA fixed 6.13% to 6.37% Fortune / Freddie Mac PMMS April 9, 2026

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