Skip PMI on a Bay Area Condo: Is 20% Still the Magic Number?

Aim for 20% down: Putting at least 20% down typically avoids conventional PMI, but confirm condo-specific lender requirements first.
Know the dollar amount: On a $900,000 condo, 20% equals $180,000—before closing costs, reserves, and prepaid expenses.
Explore alternatives: A piggyback loan, lender-paid PMI, or portfolio financing may reduce upfront cash, but compare rates, fees, and long-term cost.
Ready to price your path? Get a personalized estimate of down payment, closing costs, and monthly payment for your target Bay Area condo—message me today.