So we finally sold our 910 sq ft condo we have been living In for the past 6 years. We are exploring mortgage options and we have come to find out we can't get a mortgage without pmi unless we put 20% down! We don't have pmi now on the place we are selling does anyone know if there is any way to eliminatr pmi without putting 20% down. We are actively looking for a house and found one we like but it has oil heat. We have natural gas forced hot air and our condo isn't really well insulated and its roughly 100/month to heat. What would a reasonably insulated 1400 sq ft house cost to heat with oil forced hot air??