{"id":103915,"date":"2026-04-14T11:20:13","date_gmt":"2026-04-14T18:20:13","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=103915"},"modified":"2026-04-15T11:19:16","modified_gmt":"2026-04-15T18:19:16","slug":"how-to-avoid-pmi","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/how-to-avoid-pmi\/","title":{"rendered":"How to Avoid PMI When Buying a Home"},"content":{"rendered":"<h2><b>Key takeaways<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PMI protects the lender, not you: <\/b><span style=\"font-weight: 400;\">Required on <\/span><a href=\"https:\/\/www.redfin.com\/blog\/types-of-loans-for-first-time-buyers\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">conventional loans<\/span><\/a><span style=\"font-weight: 400;\"> when your down payment is under 20%, it covers the lender if you default, not you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multiple ways to avoid it:<\/b><span style=\"font-weight: 400;\"> A<\/span> <a href=\"https:\/\/www.redfin.com\/blog\/how-much-down-payment-for-a-house\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">20% down payment<\/span><\/a><span style=\"font-weight: 400;\"> is the simplest route, but piggyback loans (80\/10\/10), <\/span><a href=\"https:\/\/www.rocketmortgage.com\/learn\/understanding-the-different-types-of-mortgage-insurance\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">lender-paid mortgage insurance<\/span> <span style=\"font-weight: 400;\">(LPMI)<\/span><\/a><span style=\"font-weight: 400;\">, VA loans, and USDA loans can all help you skip PMI.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>You can remove PMI later: <\/b><span style=\"font-weight: 400;\">Request cancellation at 80% loan-to-value, or it automatically drops at 78%, and rising home values can speed up the process.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.redfin.com\/blog\/what-is-pmi-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Private mortgage insurance<\/span><\/a><span style=\"font-weight: 400;\">, or PMI, protects the lender <\/span><span style=\"font-weight: 400;\">\u2013<\/span><span style=\"font-weight: 400;\"> not the buyer <\/span><span style=\"font-weight: 400;\">\u2013<\/span><span style=\"font-weight: 400;\"> if you default on your loan. It is commonly required when you put down less than 20% on a <\/span><a href=\"https:\/\/www.redfin.com\/blog\/types-of-mortgage-loans\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">conventional mortgage<\/span><\/a><span style=\"font-weight: 400;\">. While PMI can help buyers purchase a home sooner, many homeowners want to avoid the added monthly cost whenever possible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is that avoiding PMI is possible, and several strategies can help you do it without making a full 20% down payment. Below, we\u2019ll walk through practical ways to reduce or eliminate the need for PMI based on current lending guidelines.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is PMI?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">PMI, or private mortgage insurance, is an insurance policy that lenders require on many conventional loans when, generally speaking, the borrower puts down less than 20%. The cost is typically added to your monthly mortgage payment and continues until you reach at least 20% equity in your home. In practice, you\u2019ll usually need to request PMI removal once you reach 20% equity, as it does not automatically drop off until your loan reaches 78% of the home\u2019s original value.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">PMI generally costs between 0.5% and 1.5% of the loan balance per year, depending on your credit score, down payment, and lender.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How much does PMI cost?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Private mortgage insurance, or PMI, typically costs between 0.46% and 1.5% of your loan amount each year. Your exact rate depends on factors such as your credit score, the size of your down payment, and the insurer your lender uses. Because rates can change, it is best to treat any estimate as a starting point rather than a guarantee.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To estimate your monthly PMI, take your loan amount, multiply it by your PMI rate (as a decimal), and divide by 12.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, on a $500,000 loan with a 5% down payment:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strong credit (760+): about $192 per month (0.46%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Average credit (680 \u2013 719): about $354 per month (0.85%)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower credit (620 \u2013 639): about $625 per month (1.5%)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you are looking to reduce your PMI before closing, two factors can make a meaningful difference: your credit score and your down payment. Even a small improvement in either can help you qualify for a lower rate and reduce your monthly cost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Actual PMI rates vary widely based on your loan-to-value ratio, debt-to-income ratio, and the mortgage insurer, so quotes can differ meaningfully between lenders.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to calculate your estimate<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Since PMI rates change daily, you can use this simple two-step formula to project your costs once you have a quoted rate from a lender:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Find the annual total<\/b><span style=\"font-weight: 400;\">: Multiply your total loan amount by the PMI rate (as a decimal).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Annual PMI <\/b><span style=\"font-weight: 400;\">= Loan Amount\u00d7PMI Rate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Determine the monthly payment: Divide that annual total by 12.<\/span><\/li>\n<\/ol>\n<blockquote><p><b><i>Monthly PMI = 12 \u00d7 Annual PMI\u200b<\/i><\/b><\/p><\/blockquote>\n<p><b>Pro-Tip<\/b><span style=\"font-weight: 400;\">: To lower this monthly expense, focus on boosting your credit score or increasing your down payment closer to the 10% or 15% mark before closing.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Private mortgage insurance example<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Let&#8217;s put those numbers into perspective with an example. Imagine you&#8217;re buying a $400,000 home, and your loan amount is the full $400,000. If your PMI rate is 0.75%, here&#8217;s how it breaks down:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Annual PMI<\/b><span style=\"font-weight: 400;\">: $400,000 multiplied by 0.0075 (the decimal equivalent of 0.75%) equals $3,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Monthly PMI<\/b><span style=\"font-weight: 400;\">: Dividing that annual amount by 12 months means you&#8217;d pay $250.00 each month for PMI.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This added monthly cost highlights why many homebuyers look for ways to avoid PMI if possible.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to avoid PMI when buying a home?<\/span><\/h2>\n<h3><b>1. Make a 20% down payment or more<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">It is the most straightforward way to avoid PMI. If you can <\/span><a href=\"https:\/\/www.redfin.com\/blog\/20-percent-down-payment-for-house\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">put down 20%<\/span><\/a><span style=\"font-weight: 400;\"> or more of the home&#8217;s purchase price, lenders typically won&#8217;t require PMI because you have more equity in the home from the start, which reduces their risk. However, for many individuals and especially<\/span> <a href=\"https:\/\/www.redfin.com\/blog\/first-time-homebuyer-questions\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">f<\/span><span style=\"font-weight: 400;\">irst-time homebuyers<\/span><\/a><span style=\"font-weight: 400;\">, saving up such a substantial amount can be a significant challenge.\u00a0<\/span><\/p>\n<h3><b>2. &#8220;Piggyback&#8221; second mortgage (80\/10\/10 loan)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">This strategy involves taking out two loans simultaneously:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A first mortgage for 80% of the home&#8217;s value.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A second mortgage (often a <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-a-home-equity-loan\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Home Equity Line of Credit or HELOC<\/span><\/a><span style=\"font-weight: 400;\">) <\/span><span style=\"font-weight: 400;\">for a portion of the remaining amount, typically 10%.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You then make a 10% cash down payment.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This structure is known as an 80\/10\/10 loan (80% first mortgage, 10% second mortgage, 10% down payment). Since your <\/span><i><span style=\"font-weight: 400;\">first<\/span><\/i><span style=\"font-weight: 400;\"> mortgage has an 80% <\/span><a href=\"https:\/\/www.redfin.com\/definition\/loanto-value-ratio\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">loan-to-value (LTV) ratio<\/span><\/a><span style=\"font-weight: 400;\">, you avoid PMI on that primary loan.<\/span><\/p>\n<p><b>Pros of a piggyback loan:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avoids PMI.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allows you to buy with less than 20% down.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The second mortgage (HELOC) can sometimes be paid off faster, freeing up funds.<\/span><\/li>\n<\/ul>\n<p><b>Cons of a piggyback loan:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You&#8217;ll have two monthly mortgage payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest rate on the second mortgage is often higher than the first mortgage and can be adjustable (variable).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You&#8217;ll likely incur closing costs for both loans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Qualifying for two loans can be more complex and may require a higher credit score.<\/span><\/li>\n<\/ul>\n<h3><b>3. Lender-Paid Mortgage Insurance (LPMI)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With <\/span><a href=\"https:\/\/www.rocketmortgage.com\/learn\/understanding-the-different-types-of-mortgage-insurance\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">lender-paid mortgage insurance<\/span><\/a><span style=\"font-weight: 400;\"> (LPMI), the lender pays the mortgage insurance premium instead of requiring you to pay it directly. In return, the lender typically charges a slightly higher interest rate.<\/span><\/p>\n<p><b>Pros of LPMI:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No separate monthly PMI payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potentially lower monthly out-of-pocket payment compared to borrower-paid PMI.<\/span><\/li>\n<\/ul>\n<p><b>Cons of LPMI:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The higher interest rate lasts for the life of the loan (unless you refinance), even after you&#8217;ve built significant equity. With traditional PMI, you can usually get it removed once you reach 20-22% equity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Over the long term, LPMI can end up costing you more than traditional PMI.<\/span><\/li>\n<\/ul>\n<h3><b>4. Choose a loan program that doesn\u2019t require PMI<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Not all mortgage programs require traditional PMI:<\/span><\/p>\n<p><b>VA loans (0% down)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Available to qualifying veterans and active-duty service members. <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-does-a-va-loan-work\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">VA loans<\/span><\/a><span style=\"font-weight: 400;\"> do not require PMI, though they include a one-time funding fee.<\/span><\/p>\n<p><b>USDA loans (0% down)<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Designed for eligible rural and suburban areas. While <\/span><a href=\"https:\/\/www.rocketmortgage.com\/learn\/usda-loans\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">USDA loans <\/span><\/a><span style=\"font-weight: 400;\">do not require PMI, they do include guarantee fees, which typically cost less than PMI.<\/span><\/p>\n<p><b>Some specialty conventional loans<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Some lenders offer no-PMI loans to borrowers with excellent credit, though these may have stricter qualification requirements.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your <\/span><a href=\"https:\/\/www.annualcreditreport.com\/index.action\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">credit score influences<\/span><\/a><span style=\"font-weight: 400;\"> your PMI rate. A better score generally means a lower PMI cost. Raising your credit score from the mid-600s to the low-700s can meaningfully reduce PMI premiums, even if you still need to pay them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ways to improve your credit:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay bills on time<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce credit card balances<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep old accounts open<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Limit hard inquiries<\/span><\/li>\n<\/ul>\n<h3><b>6. Refinance once you reach 20% equity<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you cannot avoid PMI at the time of purchase, you can still work to remove it later. Once you reach at least 20% equity, either by paying down the loan or through rising home values, you can request that your lender remove PMI. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">If interest rates are favorable, refinancing into a new conventional loan without PMI may offer additional savings. Keep in mind, refinancing isn\u2019t required to remove PMI, as you can often request cancellation directly from your loan servicer once you meet equity requirements.<\/span><\/p>\n<h3><b>Quick guide to avoiding or removing PMI<\/b><\/h3>\n<p>&nbsp;<\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Strategy<\/b><\/td>\n<td><b>Down Payment<\/b><\/td>\n<td><b>Key Benefit<\/b><\/td>\n<td><b>Tradeoff<\/b><\/td>\n<td><b>Best For<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>20% down payment<\/b><\/td>\n<td><span style=\"font-weight: 400;\">20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No PMI and lower monthly cost<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Requires significant savings<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Buyers with strong savings and flexible timing<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Piggyback loan (80\/10\/10)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Avoid PMI with less cash upfront<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Two loans and a higher second rate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Buyers close to 20% who want to buy sooner<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Lender-paid PMI (LPMI)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">5 \u2013 10%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No separate PMI payment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Higher rate over time<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Buyers planning to sell or refinance in a few years<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>VA loan<\/b><\/td>\n<td><span style=\"font-weight: 400;\">0%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No PMI and no down payment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Limited eligibility and funding fee<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Eligible veterans and service members<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>USDA loan<\/b><\/td>\n<td><span style=\"font-weight: 400;\">0%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No PMI with low rates<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Location and income limits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Buyers in eligible rural or suburban areas<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Refinance later<\/b><\/td>\n<td><span style=\"font-weight: 400;\">N\/A<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Remove PMI after building equity<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Closing costs and timing risk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Homeowners with growing equity<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Please note, these examples above are illustrative: Your actual PMI rate will depend on your specific loan details and lender pricing.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to remove Private Mortgage Insurance (PMI)<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many homeowners pay private mortgage insurance (PMI) as part of their monthly mortgage payment, but you may be able to have it removed. <\/span><a href=\"https:\/\/yourhome.fanniemae.com\/buy\/private-mortgage-insurance\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Fannie Mae<\/span><\/a><span style=\"font-weight: 400;\">, a major player in the mortgage market, outlines how this process works.<\/span><\/p>\n<h3><b>When can you request PMI removal?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You can request that your loan servicer terminate PMI once your loan balance reaches 80% of your home&#8217;s original value. Your lender provided you with an <\/span><a href=\"https:\/\/www.redfin.com\/definition\/amortization\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">amortization schedule<\/span><\/a><span style=\"font-weight: 400;\"> when you bought your home. This schedule shows you exactly when your loan balance is projected to hit that 80% mark. Keep an eye on this date and your loan progress, as it&#8217;s often when you become eligible to remove PMI.<\/span><\/p>\n<h3><b>Automatic PMI termination<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Even if you don&#8217;t request it, your PMI may be automatically terminated when your loan balance reaches 78% of your home&#8217;s original value. However, to avoid paying more than necessary, it&#8217;s best to contact your loan servicer as soon as your balance reaches 80% to see if you qualify for early termination.<\/span><\/p>\n<h3><b>Requesting termination based on the current home value<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your home&#8217;s value has increased significantly since you bought it, you might be able to remove PMI sooner based on its current market value. To explore this option, reach out to your loan servicer to discuss their specific requirements and the process for terminating PMI based on increased home equity. Lenders typically require a new appraisal and may impose seasoning requirements (such as owning the home for at least two years) before allowing PMI removal based on increased value.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">When PMI can be worth it<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Avoiding PMI is a great goal, but it\u2019s not always the right decision. In some situations, paying PMI allows you to buy sooner, giving you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earlier access to equity growth<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protection against rising home prices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The ability to secure a home before interest rates increase further<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In some cases, the cost of waiting can outweigh the cost of PMI. If paying PMI allows you to buy your home sooner and the monthly payment remains manageable, it can still be a smart financial move.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">FAQ: How to avoid PMI when buying a home<\/span><\/h2>\n<h3><b>How do I avoid PMI when buying a house?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You can avoid PMI by putting down at least 20% on a conventional loan, using an 80-10-10 piggyback loan, choosing lender-paid PMI (LPMI), or qualifying for a mortgage program that doesn\u2019t require PMI, such as a VA or USDA loan. You can also eliminate PMI later by refinancing once you reach 20% equity.<\/span><\/p>\n<h3><b>What is the 78% rule for PMI?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The 78% rule refers to the federal requirement that a lender must automatically remove PMI when your loan balance reaches 78% of the home\u2019s original value, assuming you\u2019re current on payments. This happens through regular amortization, with no refinance or new appraisal required.<\/span><\/p>\n<h3><b>How much do I need to put down on a house to avoid PMI?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To avoid PMI on a conventional mortgage, you generally need to put down 20% of the home\u2019s purchase price. Some buyers also avoid PMI with alternative structures like an 80-10-10 loan, which requires only 10% down.<\/span><\/p>\n<h3><b>How much is PMI insurance on a $400,000 house?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"https:\/\/www.rocketmortgage.com\/calculators\/mortgage-calculator\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Rocket Mortgage calculator<\/span><\/a><span style=\"font-weight: 400;\">, as of early 2026, private mortgage insurance (PMI) on a $400,000 home typically costs between $170 and $500 per month ($2,000 to $6,000 annually), depending on your credit score and down payment. With a 5% down payment, a common monthly cost ranges from about $300 to $365. In general, PMI costs between 0.5% and 1.5% of the annual loan amount.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Bottom line: How to avoid PMI<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">PMI is a common part of the homebuying process, but it is not unavoidable. Whether you increase your <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-much-down-payment-for-a-house\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">down payment<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-pmi-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">explore a piggyback loan<\/span><\/a><span style=\"font-weight: 400;\">, or use a mortgage program that eliminates PMI, you have more options than you might think.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choosing the best strategy depends on your finances, your long-term plans and how quickly you want to buy. If avoiding PMI is a priority, talk to your lender early so they can help you compare all available options.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn how to avoid Private Mortgage Insurance (PMI). Discover strategies like making a 20% down payment, utilizing &#8220;piggyback&#8221; loans, or exploring VA and USDA loan options. <\/p>\n","protected":false},"author":813,"featured_media":103913,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[36533,4007],"coauthors":[36372],"class_list":["post-103915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-buying-a-home","tag-home-buyer-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Avoid PMI When Buying a Home - Redfin<\/title>\n<meta name=\"description\" content=\"Learn how to avoid Private Mortgage Insurance (PMI) on your home loan. 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