Help with Tax Calculation

I got my current mortgage on 1/31/2018 with PMI. I know that the IRS publication has 3 requirements:
1. Mortgages you took out on or before October 13, 1987 (called grandfathered debt).

2. Mortgages you (or your spouse if married filing a joint return) took out after October 13, 1987, and prior to December 16, 2017 (see binding contract exception below), to buy, build, or substantially improve your home (called home acquisition debt), but only if throughout 2019 these mortgages plus any grandfathered debt totaled $1 million or less ($500,000 or less if married filing separately). Exception. A taxpayer who enters into a written binding contract before December 15, 2017, to close on the purchase of a principal residence before January 1, 2018, and who purchases such residence before April 1, 2018, is considered to have incurred the home acquisition debt prior to December 16, 2017.

3. Mortgages you (or your spouse if married filing a joint return) took out after December 15, 2017, to buy, build, or substantially improve your home (called home acquisition debt), but only if throughout 2019 these mortgages plus any grandfathered debt totaled $750,000 or less ($375,000 or less if married filing separately).

I believe I fall under #3- which only states that you took it out after Dec 15 2017 to BUY a home at less than $750k. This mortgage was for $180k. So I think it should still be included. TurboTax is only taking property taxes and mortgage interest, not PMI into account on the deductions page. Am I completely misinterpreting this language?