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PMI Calculator
Estimate monthly PMI cost based on loan amount and PMI rate.
Parcel Platform
Mar 4, 2026
PMI Calculator
Price $350,000 • 10% down
Monthly PMI
$210
Annual PMI
$2,520
Loan Amount
$315,000
LTV
90%
This estimates PMI as (loan amount × annual PMI rate). Ask your lender for the exact PMI quote for your scenario.
How this calculator works
PMI (private mortgage insurance) is an extra monthly cost that often applies when you put less than 20% down. This calculator estimates PMI so you can budget your true payment.
What it includes
- Loan amount estimate
- Monthly PMI estimate
- Annual PMI estimate
How to use it
- Enter purchase price and down payment percent.
- Enter an estimated PMI rate (your lender will provide the exact rate).
- Use the PMI estimate to refine cash flow and affordability assumptions.
FAQ
When does PMI go away?
It depends on loan type and lender rules. Many loans remove PMI around 80% loan-to-value (LTV) after certain conditions are met, or when you refinance.
Should I include PMI in cash flow analysis?
Yes. PMI is a real monthly cost and can materially change cash flow on low-down-payment deals.
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