When does your PMI end?
Type your address. We compute your scheduled PMI end dates under the Homeowners Protection Act from public county records, on the spot.
Free, no account, no documents. We read public county records; nothing you type is saved.
How these dates are computed
For conventional loans, the Homeowners Protection Act sets two scheduled dates from your loan's original amortization schedule: the date the balance is scheduled to reach 80 percent of the home's original value, when you can request cancellation, and the 78 percent date, when PMI must terminate automatically if you are current. Extra payments can move the actual dates earlier; they never move the scheduled dates.
Where the numbers come from
We read the loan recording in public county records: origination date, amount, and, where recorded, the sale price and note rate. Every number on your result shows its source, its as-of date, and any assumption we had to make. Where records do not include a number, we ask you to type it; typed values stay on your screen and are never saved or shown publicly.
FHA and VA loans
FHA mortgage insurance (MIP) follows HUD cohort rules, not the Homeowners Protection Act, so this tool shows your cohort instead of PMI dates. VA loans carry no monthly mortgage insurance. Both are often assumable at their original rate.
This tool is educational and computes estimates from public records and stated assumptions. It is not advice from your servicer, and Rook never shows a specific lender's terms or refers you to a named lender.