How much will the pmi be if the price of the property is only 80,000, with 12,000 down payment,?

PMI averages just under $50/mo for every $100K.....the costs come in when you try to remove it "3-5" years from now.... you have to pay a bunch of closing costs....which on 80K will be in the neighborhood of $1,500 to $2K...... I would put 20% down now......and work two jobs until you built your emergency fund back up.... more.

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