Kalkulator PMI

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About this tool

Enter the home price, your down payment, the rate, the term and the PMI rate as a percent of the loan per year. The tool shows the monthly payment with and without PMI and the months until your balance reaches 80 percent of the price.

What PMI is

Lenders usually require private mortgage insurance on a conventional loan when your down payment is below 20 percent. It protects the lender, not you. PMI typically costs 0.3 to 1.5 percent of the loan a year.

When it ends

You can ask to cancel when your balance reaches 80 percent of the original value, and it must end automatically at 78 percent. The calculator estimates the months to 80 percent from scheduled payments.

Example

On a $400,000 home with 5 percent down at 6.5 percent, the loan is $380,000, PMI is about $222 a month and it lasts around 10 years.

Contoh berselesaian

With the boxes at their starting values (Home price ($): 400000; Down payment ($): 20000; Interest rate (%): 6.5; Loan term (years): 30; PMI rate (% of loan per year): 0.7), the tool shows: Loan amount ($): 380,000; Loan to value: 95.0%; Principal and interest per month ($): 2,402; PMI per month ($): 222; Months until PMI can end: 124; Total monthly payment ($): 2,624. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

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