re: What's the most amount of money you'd put down on a new house? It would be a new build.

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It's not that it's not affordable. It's just akin to money flushed down the toilet

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If you have good credit pmi is negligible. It’s only for the bad credit folks (which there are a lot out there) where pmi is extremely hurtful. In 2018 I bought a property for $299k and put 10% down. My pmi was $38 a month. After 2 years because of increased home values the pmi was dropped. I sold that property in May of 2022 for $605k so pmi worked out very very well for me and I still had tons of liquidity in the bank to use on whatever I wanted. It’s a case by case basis. I know examples of people paying $300 a month in pmi that is Insanity and wouldn’t advise it. You are only as good as your credit score.