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Six Good Reasons to Avoid PMI. 1  Cost-Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis. 2  On a $100,000 loan this means the homeowner could be paying as much as $1,000 a year, or $83.33 per month-assuming a 1% PMI fee. On a $100,000 loan this means the homeowner could be paying as much as $1,000 a year, or $83.33 per month-assuming a 1% PMI fee. ( 2 Calculated as: $100,000 x 1% = $1,000 / 12 = $83.33) By itself that's a pretty hefty sum.
How to get rid of PMI. To remove PMI, or private mortgage insurance, you must have at least 20% equity in the home. You may ask the lender to cancel PMI when you have paid down the mortgage balance to 80% of the home's original appraised value. When the balance drops to 78%, the mortgage servicer is required to eliminate PMI.