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PMI is based on the down payment, credit score and type and size of a mortgage. Rule of thumb: Plan on paying from about 0.41% to 2.25% of the loan amount annually for PMI.

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You can qualify for an FHA loan with a credit score of 500 to 579 with a 10 percent down payment. FHA’s maximum financing of 3.5 percent down is available for borrowers with a score of 580 or.