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目录 / 金融 / 私人抵押贷款保险 (PMI)
金融 · 工具

私人抵押贷款保险 (PMI)

当您的首付款低于20%时，估算您的月度PMI成本，并了解何时可以取消保险。

Home price
$
Down payment
$
Interest rate
%
PMI rate (annual)
%
Loan term
Current home value
$
Loan amount$0
Down payment %0%
Monthly P&I$0
Current LTV0%
Monthly PMI Payment
$ 0
...
Total monthly payment: $0
PMI Removal (78% LTV)
Months until removal0
Total PMI to be paid$0
Balance at removal$0
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Industry use cases
First-Time Homebuyers Estimate monthly PMI costs to decide whether to save for a 20% down payment or purchase sooner with insurance coverage.
Real Estate Agents Show clients how different down payment amounts affect their total monthly housing costs and overall affordability.
Mortgage Lenders Calculate PMI for loan origination to determine total monthly obligations and whether borrowers meet affordability requirements.
Homeowners Planning Removal Estimate when home equity reaches 20% to plan when PMI can be requested for removal and monthly payments reduced.
Frequently asked questions
What is private mortgage insurance (PMI)?
PMI protects lenders if you default on your loan. It's required when your down payment is less than 20% of the home's purchase price.
Do I need to pay PMI?
You need PMI if your down payment is less than 20% of the home price. It's a requirement of most lenders to protect themselves against loan default.
When can I remove PMI from my mortgage?
PMI can be requested for removal when your LTV reaches 80% and automatically removes at 78% LTV. This typically occurs as you pay down principal and home values appreciate.
How much does PMI cost per month?
Monthly PMI varies from 0.3% to 1.5% annually of your loan amount, depending on credit score and LTV. Better credit means lower rates: excellent credit (740+) costs 0.3%-0.7% annually.
How can I avoid paying PMI?
Save a 20% down payment, consider piggyback loans (80-10-10), explore VA or USDA loans, or look into lender-paid PMI options where the lender covers the cost.
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