It depends on who you go through as well. I know in the past I was really put off by morgage insurance by some banks, and then when another bank spoke through some options, it didnt actually cost that much to have the MI in the first place. So it really does pay to speak to a few people or even a REALLY good broker. I know people who have been heartbroken over dream houses, when with paying only a little MI, they would have been able to borrow the small amount to get the home.

Hope you find your dream home soon