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Six Good Reasons to Avoid PMI. 1  Cost-Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis. 2  On a $100,000 loan this means the homeowner could be paying as much as $1,000 a year, or $83.33 per month-assuming a 1% PMI fee. On a $100,000 loan this means the homeowner could be paying as much as $1,000 a year, or $83.33 per month-assuming a 1% PMI fee. ( 2 Calculated as: $100,000 x 1% = $1,000 / 12 = $83.33) By itself that's a pretty hefty sum.
PMI fees are generally expressed as a percentage of the loan amount. They can range from about 0.3% to 1.15% of the amount being borrowed. This is the amount you pay each year. (Example: a $300,000 home loan with an annual insurance rate of 0.5% would have $1,500 added onto it every year.ut in most cases, a down payment below 20% brings the added cost of PMI. In 2014, the cost of private mortgage insurance ranges from 0.3% to 1.15% of the base loan amount, on average.