Please help. I'm having trouble producing the IF statement in excel from these instructions. Please see below and help me produce the proper =IF( Function.

1. Enter an IF function in cell I9 to determine the monthly PMI if applicable. The mortgage requires PMI if the percent of down payment is less than 20% (cell B7). If the mortgage requires PMI it is .38% of the amount financed. Be sure to use the appropriate absolute cell references for the input values and then use the fill handle to copy the function down completing the column.