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This amount can vary from $0 for VA loans, 3.5% for FHA Loans and 20% for conforming mortgages. Speak to your licensed mortgage loan originator to Down payment of less than 20% percent, might require a purchase of private mortgage insurance (PMI). PMI protects the lender in the event of foreclosure.
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Ask your lender if the loan you are considering requires private mortgage insurance or a mortgageHow much PMI costs The cost of PMI depends on your credit score and down payment, but generally it ranges from 0.3 percent to 1.5 percent of the original loan amount each year.