<prompt> Human: My wife and I are looking to buy a house in the next year, and have been saving for a down payment. By closing, we should have enough to put down about 15, which means we would have to pay PMI for a few years. Our uncle told us that you used to be able to take out a sub-loan for a few thousand to help you hit the 20 threshold to avoid paying PMI, and then just pay the low-interest loan back.Is this still an option? Is it a good option, if so?  <response>: Whats the cost of the down payment loan interest vs cost of PMI? 