What LTV Ratio Requirements for Common Loan Programs Steps that will help you budget for your next home and get a rough estimate of how much you should expect to pay as a down payment.
FHA loans allow for LTV ratios up to 96.5%, with down payments as low as 3.5%. VA (Veterans Affairs) loans allow buyers to finance up to a 100% LTV ratio, meaning there are options that require no down payment. Most conventional loan programs allow you to qualify with up to a 97% LTV ratio.
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