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(702) 696-9900Check Rate
QUICK ANSWER — Conventional calculator: $435K home, 20% down ($87K), 5.990% rate = $2,086/mo with zero PMI. With 5% down: $2,491/mo + $183 PMI. Valley West Mortgage. NMLS #65506.
Reviewed by Vatche Saatdjian·NMLS #65506

Conventional Calculator

Drag the sliders to see your payment with and without PMI. See how 20% down eliminates insurance completely.

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No PMI
At 20% Down
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The PMI Difference

20% DOWN — NO PMI
$2,086
$435K home · 5.990% · P&I only
$0 PMI forever
5% DOWN — WITH PMI
$2,674
$435K home · 5.990% · P&I + PMI
PMI drops at 20% equity
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WHY US
The Valley West Difference
50+
Lenders competing for your loan.
$0
Application + processing fees.
28
Average days to close.
4.9★
790+ five-star reviews.
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REVIEWS

What Homebuyers Say

★★★★★

"Put 20% down, no PMI. Valley West got me 0.25% lower than my bank offered. Saved $180/month."

— Conventional buyer, Las Vegas
★★★★★

"Shopped 50+ lenders. Zero fees. Closed in 25 days on my investment property."

— Conventional buyer, Henderson
★★★★★

"Refinanced from FHA to conventional. Dropped MIP, rate went down. Saving $350/month."

— Refinance buyer, Summerlin

Conventional Resources

→ Requirements → Rates Today → Calculator → Credit Score Guide → Down Payment → Conv vs FHA → First-Time Buyer → Pre-Approval → Closing Costs → Compare All Loans
FAQ

Questions? Answered.

Loan amount × monthly rate factor + PMI (if applicable) + taxes + insurance. Our calculator handles this instantly.

Private Mortgage Insurance: 0.3-1.5% of loan annually if you put less than 20% down. On $400K, roughly $100-$500/month. Drops at 20% equity.

On a $435K home: no PMI saves $183/month ($65,880 over 30 years), lower rate saves $40/month, and you start with $87K equity.

Automatically at 22% equity (78% LTV). You can request removal at 20% equity. Some lenders allow removal after 2 years with a new appraisal.

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Also: VA Loans → · FHA Loans →

conventional rates from 5.750%
(702) 696-9900Check Conventional Rate