All things being equal I say go VA, put down 5% to get a slightly lower funding fee, and save cash to preserve liquidity … PROVIDED the unit is in very good shape and can pass VA inspection, the complex itself is VA approved, and the local sellers/agents aren’t strongly biased against VA.
The VA regs can be a bit onerous and paternalistic, which just reflects the irony of the military as the ultimate paternalistic welfare state.
