Everyone says "20% to avoid PMI" — but is draining your savings worth it? See 3%, 5%, 10%, and 20% side by side: the payment, the PMI, the cash you'd need, and exactly when PMI disappears.
The best answer depends on your cash, your timeline, and your goals. Grab the free Playbook — or book a coaching session and we'll run your real numbers together.
Get the Free Playbook →Estimates for education only — not a loan offer or financial/mortgage advice. Uses standard conventional-loan PMI tiers adjusted for credit; FHA, VA, and lender-specific pricing differ. PMI drop-off assumes you reach 20% equity through normal payments (home-value changes not modeled).