how is a loan assumption approved? How about the HELOC?

i just got divorced. my ex-husband was planning on taking the house, but couldn't get approved because of the child support he'll be paying me. so i have the house now.

the problem is that he ran up the home equity to about $86,000 a few years back (without my knowledge). we only owe 125k on the mortgage itself.

so i have to refinance the 215k mortgage (my house is worth about that price--just had an appraisal today, will find out in a few days what it appraised for).

i find out now, that i'll have to pay 200 dollars a month in pmi plus it will cost about $3000 to refinance which they'll roll into the loan, so now i will be paying 218k mortgage with pmi which just irks me.

is there anyway i can do a loan assumption on the 125k mortgage, and refinance the 87 k heloc? it just burns me to pay $2400 a year in pmi.

any creative suggestions would be helpful. i am almst ready to see a real estate lawyer, but i don't want to spend $300 just for him to tell me there is nothing i can do.