Maximum Loan-to-Value Ratio

See: Loan-To-Value Ratio - LTV Ratio. For most mortgages, banks want 20% down such that the equity value in the home will be at least 1/5 the total ratio. Occasionally, other types of semi-governmental-assisted loans allow for down payments as low as 3.5% so that the loan-to-value ratio is sky high...but those are in a different category versus a standard loan or mortgage package.