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Calculate investment's interest rate to break-even insurance cost [duplicate]
I wouldn't call it apples and oranges.  This is literally an opportunity cost calculation.  You can safely assume S&P500 will perform at least 11% over any 10 year period.  Since failing companies are delisted and replaced with new growing companies, the market should continue to grow.  No, it's not guaranteed.  Lets use an aggressive number for inflation, 4%, leaving a 7% ROR estimate for S&P500.  I assume OP has better credit than me, assume a rate around 3.5%.  So it looks like net 3.5% ROR.  The PMI erases that.  You have to continue paying it until you pay off the loan.   Put 20% down, get a 15 year fixed at lowest rate.  Pay it off quicker.