Conventional loans
Private mortgage insurance is charged monthly, upfront, or built into the rate. It ends automatically at seventy eight percent of the original value, and you may request removal at eighty percent.
If your home has appreciated, an appraisal based removal is sometimes possible earlier. Ask your servicer for their specific requirements, because they vary.
FHA loans
FHA charges an upfront premium plus an annual premium. With the common minimum down payment, the annual premium stays for the life of the loan.
That is not a reason to avoid FHA. It is a reason to plan. Many buyers use FHA to get in, build credit and equity, and refinance to conventional once the numbers support it.