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PMI Calculator (Private Mortgage Insurance)
Estimate the monthly Private Mortgage Insurance premium on a conventional loan and find out how long until you can request PMI removal at 80% LTV.
FINANCEEstimate the monthly PMI premium on a conventional loan based on loan-to-value (LTV), credit score, and 2025-2026 industry rate cards. Shows when you can request removal at 80% LTV.
PMI rates rise sharply at higher LTV and lower credit scores. The Homeowners Protection Act requires lenders to drop PMI automatically at 78% LTV (original schedule), or upon request at 80% LTV. A new appraisal showing 80% LTV after appreciation is the fastest path in hot markets. FHA MIP is permanent for the loan's life if less than 10 percent down — refinance to conventional to remove.
Disclaimer: Rate estimates based on MGIC/Radian 2026 rate cards. Actual rate varies by lender, DTI, and property type.
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Frequently Asked Questions
What is the PMI Calculator (Private Mortgage Insurance) for?
Estimate the monthly PMI premium on a conventional loan based on loan-to-value (LTV), credit score, and 2025-2026 industry rate cards. Shows when you can request removal at 80% LTV.
How do I use the PMI Calculator (Private Mortgage Insurance)?
PMI rates rise sharply at higher LTV and lower credit scores. The Homeowners Protection Act requires lenders to drop PMI automatically at 78% LTV (original schedule), or upon request at 80% LTV. A new appraisal showing 80% LTV after appreciation is the fastest path in hot markets. FHA MIP is permanent for the loan's life if less than 10 percent down — refinance to conventional to remove.
How accurate are my pmi (private mortgage insurance) results?
Rate estimates based on MGIC/Radian 2026 rate cards. Actual rate varies by lender, DTI, and property type.
Is the PMI Calculator (Private Mortgage Insurance) free to use?
Yes - every calculator on WhichCalc is completely free with no signup, no usage limits, and no tracking on the calculation itself. Results display instantly in your browser and your inputs are never sent to a server. Bookmark the page if you use this calculator regularly.
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