<prompt> Human: Hey, all. Im 35 and Im looking to buy a house about a year from now. Im on track to have enough for 15 down payment in addition to other things like emergency fund, moving expenses, etc. I could stop contributing to 401k for about 12 months and would have enough cash for 20 and avoid the PMI. What Im trying to decide is if its worth halting 401k to avoid PMI. Heres the scenario I believe I have assuming 15 down:Home price: 375,00015 Down: 56,300Loan Amount: 318,700Total PMI paid assuming 1 - is this a correct assumption?: 3,187yearMy question for you is do you think its wise to halt 401k contributions to avoid PMI? I know that PMI can drop off after you hit 20 equity, but Im just nervous about stopping 401k contributions. Thanks for your advice.  <response>: Id stop 401k except for the match contributions. Id save enough for 20 down. I might also cheat and use any other money I could scrape up. Sounds like you live below your means enough that you can catchup after you move in. 