<prompt> Human: First time here :So we are buying our second house contingent on a sale of our first one. We are getting about 49k after closing fees. We are struggling at getting our emergency funds together with two kids under two and a dog under 2k saved up. Since PMI rate is the same between 10 and 13, by only putting 10 I only have to bring around 36k for the new housemortgage. The balance would help us funding the emergency pot and also help us buying furniture. The difference between the two rates is about 60 a month.Tl;dr.Whats better Get 3 more equity upfront and a small emergency fund side ? Smaller equity, but comfortable emergency funds and money for furniture ?  <response>: The inclusion of new furniture with the 10 option feels a little off to me. If youre struggling to save an appropriate emergency fund, buying new furniture shouldnt be high on your priority list. Id recommend doing the 10 down, shoring up the emergency fund, and putting any leftover money towards the mortgage principal to get you closer to removing PMI. New furniture can wait. 