Insert the IF statement in cell I9 to determine if the % Down is greater than or equal to 20% Down Pmt Rate. If true, the PMI is 0. If false, the PMI is calculated by multiplying the Amount Financed by the PMI Rate divided by the # of Pmts Per Year. The function should be =IF(E9>=$B$7,0,D9*$B$6/$B$5).