FYI if you get a FHA loan, you can’t remove the PMI at all without refinancing. This was implemented after the crash in '07/'08. You can still get a conventional loan without doing the full 20%. I put around 10% down and just dropped PMI after about 4 years, though I likely could have removed it earlier if I’d paid for a new appraisal due to the increased property value.
FYI if you get a FHA loan, you can’t remove the PMI at all without refinancing. This was implemented after the crash in '07/'08. You can still get a conventional loan without doing the full 20%. I put around 10% down and just dropped PMI after about 4 years, though I likely could have removed it earlier if I’d paid for a new appraisal due to the increased property value.