Credit & Qualification

What Is Loan-to-Value Ratio (LTV)?

By Dawn Robbins Group | Last updated February 13, 2026

The ratio of your mortgage amount to the home's appraised value, expressed as a percentage—80% LTV means you're borrowing 80% and putting 20% down.

Related Terms

Credit ScoreDebt-to-Income Ratio (DTI)Down Payment

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