Sonia can only afford $10\%$ down on the home she is purchasing. Part of her PITI includes PMI. When can she request a cancellation of their PMI?

When they have paid the loan down to $10\%$ of the home's value

When they have paid the loan down to $90\%$ of the home's value

When they have paid the loan down to $20\%$ of the home's value

When she has paid the loan down to $80\%$ of the home's value