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(702) 696-9900Check Rate
QUICK ANSWER — Conventional closing costs: 2-5% of loan amount ($8,000-$20,000 on $400K). No upfront MI unlike FHA. Seller concessions 3-9%. Valley West charges zero application fees. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Closing Costs

Expect 2-5% of loan amount. No upfront mortgage insurance (unlike FHA). Seller can pay 3-9% depending on down payment.

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790+
Reviews
No PMI
At 20% Down
50+
Lenders
28
Days Avg
COSTS

Closing Cost Breakdown

On a $400,000 conventional loan:
Origination fee$0*
Appraisal$450-$600
Title insurance + escrow$2,000-$3,500
Prepaid taxes + insurance$3,000-$5,000
Upfront mortgage insurance$0
Estimated Total$5,450-$9,100

*Valley West: $0 application and processing fees. Conventional has no upfront MI (unlike FHA 1.75%).

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WHY US
The Valley West Difference
50+
Lenders competing for your loan.
$0
Application + processing fees.
28
Average days to close.
4.9★
790+ five-star reviews.
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REVIEWS

What Homebuyers Say

★★★★★

"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank offered. Saved $180/month."

— Conventional buyer, Las Vegas
★★★★★

"Shopped 50+ lenders. Zero fees. Closed in 25 days on my investment property."

— Conventional buyer, Henderson
★★★★★

"Refinanced from FHA to conventional. Dropped MIP, rate went down. Saving $350/month."

— Refinance buyer, Summerlin

Conventional Resources

→ Requirements → Rates Today → Calculator → Credit Score Guide → Down Payment → Conv vs FHA → First-Time Buyer → Pre-Approval → Closing Costs → Compare All Loans
FAQ

Questions? Answered.

2-5% of loan amount, typically $5,450-$9,100 on $400K. No upfront mortgage insurance unlike FHA, which saves $7,000.

Yes. Seller concessions: up to 3% with less than 10% down, 6% with 10-25% down, 9% with 25%+ down.

No. Zero application fees, zero processing fees. Our fee comes from the lender side.

Yes — significantly. FHA adds 1.75% upfront MIP ($7,000 on $400K). Conventional has no upfront insurance.

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Also: VA Loans → · FHA Loans →

conventional rates from 5.750%
(702) 696-9900Check Conventional Rate