<prompt> Human: I was recently running some numbers on how to avoid PMI on my next mortgage and was shocked to realize how much a middling credit score was potentially costing memy wife. Listed below is a table of PMI rates on a 30 year mortgage with varying credit scoressourceLTV 760 740-759 720-739 700-719 680-699 660-679640-659620-639---------------------------95 .37 .52 .65 .76 .94 1.251.291.3790 .27 .37 .45 .54 .64 .88.89.9285 .18 .19 .22 .24 .27 .37.39.42To look at the most extreme ends of the buying a spectrum a 200k home with 5 down an individual with a credit score of 760 would pay 6000 in PMI versus an individual with a 620-639 credit score would pay 22000 in PMIa difference of 16k. A borrower purchasing a 500k home with 5 down and a score of 760 would pay 15000 in PMI versus an individual with a 620-639 credit score would pay 54000 in PMIa difference of 39k. Now you might say its ridiculous to have a borrower with a 630 credit score and 5 down buying a 500k home and it absolutely is, but be mindful that when married couples file for a mortgage the lower of the two scores is used. Imagine a recently graduated doctor married to an individual with an unsavory credit score and while extremely unlikely its still a possibility for the sake of the example.Assistant: Well, the recommendation on this sub is to buy with 20 down. So getting less ripped off in a rip off, isnt what I call a success.Human: I spent like an hour making this post only for people to immediately downvote and dismiss it based onwell yeah, dont do that.Sorry for trying to add to the discussion.  <response>: people on PF live in their own little bubble or think they do. This sub is prone to people like this who just make blanket statements that are optimal, but not realistic. 