Anything less than the standard of 20% will incur an extra PMI charge (on top of borrowing more money). The PMI is a percentage of the price, but the % value varies across lenders; so you’ll just have to ask and see what you’d get offered (note that you can request for this PMI to be removed once you hit a % equity ownership, usually 20%; but there may not be a legal obligation for them to drop it). The interest rate you get would also of course be a huge factor.