{"id":23,"date":"2026-09-10T12:00:00","date_gmt":"2026-09-10T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/thierryabelmortgage-com\/2026\/09\/10\/skip-pmi-on-a-bay-area-condo-is-20-still-the-magic-number\/"},"modified":"2026-09-10T12:00:00","modified_gmt":"2026-09-10T12:00:00","slug":"skip-pmi-on-a-bay-area-condo-is-20-still-the-magic-number","status":"publish","type":"post","link":"https:\/\/www.thierryabelmortgage.com\/blog\/2026\/09\/10\/skip-pmi-on-a-bay-area-condo-is-20-still-the-magic-number\/","title":{"rendered":"Skip PMI on a Bay Area Condo: Is 20% Still the Magic Number?"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Aim for 20% down: Putting at least 20% down typically avoids conventional PMI, but confirm condo-specific lender requirements first.<br \/>\nKnow the dollar amount: On a $900,000 condo, 20% equals $180,000\u2014before closing costs, reserves, and prepaid expenses.<br \/>\nExplore alternatives: A piggyback loan, lender-paid PMI, or portfolio financing may reduce upfront cash, but compare rates, fees, and long-term cost.<br \/>\nReady to price your path? Get a personalized estimate of down payment, closing costs, and monthly payment for your target Bay Area condo\u2014message me today.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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\u2014before 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 [&hellip;]<\/p>\n","protected":false},"author":415,"featured_media":64,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/users\/415"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":0,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/23\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/media\/64"}],"wp:attachment":[{"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/media?parent=23"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/categories?post=23"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thierryabelmortgage.com\/blog\/wp-json\/wp\/v2\/tags?post=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}