SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/home-pmi-78

Even if you never ask, PMI generally ends automatically when the balance is scheduled to reach what share?

78 percent of the original value, if you are current on payments.

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  1. 70 percent
  2. 78 percent ✔
  3. 85 percent

Why: Servicers generally must end PMI on the date your balance is scheduled to reach 78 percent of the original value. You need to be current on your payments for that to happen.

Huh, didn't know that: Asking at 80 percent can end PMI before the automatic 78 percent date.

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References

Answer: 78 percent. Servicers generally must end PMI on the date your balance is scheduled to reach 78 percent of the original value. You need to be current on your payments for that to happen.

  1. CFPB: When can I remove PMI? www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202
    automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent
    Checked 2026-10-10.

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