{"id":1290,"date":"2018-07-29T20:44:57","date_gmt":"2018-07-29T20:44:57","guid":{"rendered":"http:\/\/www.fhahandbook.com\/blog\/?p=1290"},"modified":"2024-04-23T01:34:19","modified_gmt":"2024-04-23T01:34:19","slug":"maximum-loan-to-value-ratio","status":"publish","type":"post","link":"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/","title":{"rendered":"Maximum Loan-to-Value (LTV) Ratio for the FHA Mortgage Program"},"content":{"rendered":"\n<p>If you plan to use an FHA loan to buy a house, you&#8217;ll be limited to a certain loan-to-value ratio, or LTV.<\/p>\n\n\n\n<p>The maximum loan-to-value ratio for the FHA mortgage insurance program is 96.5%, according to official HUD guidelines. This means that eligible borrowers can make a down payment as low as 3.5% of the home&#8217;s value or purchase price (usually the lesser).<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f7f7f7\">Not familiar with this terminology? Don&#8217;t worry. We&#8217;re about to take a deep dive into the LTV ratio requirements for FHA-insured mortgage loans, and how they relate to you as a borrower.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Breaking Down the Jargon: FHA and LTV<\/h2>\n\n\n\n<p>Learning about mortgage loan programs often feels like learning a new language. The lending industry has its own unique jargon, including a vast array of acronyms and abbreviations.<\/p>\n\n\n\n<p>Here are two terms you need to know for the rest of this guide to make sense:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FHA loan:<\/strong> This label indicates that a mortgage loan is insured by the Federal Housing Administration, part of HUD. FHA loans are offered by private-sector banks and lenders, the same as regular home loans. But they receive insurance backing from the federal government. This added protection reduces the lender&#8217;s risk and allows them to offer flexible criteria for borrowers.<\/li>\n\n\n\n<li><strong>LTV ratio:<\/strong> In a mortgage context, the loan-to-value ratio (LTV) is a percentage that compares the amount of money you borrow to the appraised value of the property you&#8217;re buying. In other words, it measures the proportion of a property&#8217;s value that&#8217;s being financed through a mortgage.<\/li>\n<\/ul>\n\n\n\n<p>To calculate the loan-to-value ratio, you simply divide the loan amount by the appraised home value. For example, if I borrow $335,000 to purchase a house that&#8217;s valued at $350,000, the resulting LTV ratio would come to 95.7%. The math: (335,000 \u00f7 by 350,000 = 0.957, or 95.7%)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Maximum Loan-to-Value Ratio for FHA Loans<\/h2>\n\n\n\n<p>The FHA loan program allows eligible borrowers to make a down payment as low as 96.5%. This translates to an LTV ratio as high as 96.5%. Conventional mortgage loans, on the other hand, often require borrowers to make larger down payments resulting in lower LTV ratios.<\/p>\n\n\n\n<p>That&#8217;s one of the reasons why home buyers (and especially first-time buyers) use FHA loans in the first place. This program allows them to finance a pretty big chunk of the purchase price, with a maximum loan-to-value ratio of up to 96.5%.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"427\" src=\"http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV-1024x427.png\" alt=\"Graphic summary of maximum LTV ratio for FHA loans\" class=\"wp-image-2897\" srcset=\"http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV-1024x427.png 1024w, http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV-300x125.png 300w, http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV-768x320.png 768w, http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>But there&#8217;s a catch. To qualify for the maximum LTV ratio, a borrower will need to have a credit score of 580 or higher. If your score falls below 580, you would be required to make a down payment of 10% resulting in a much lower LTV ratio of 90%.<\/p>\n\n\n\n<p>In other words, home buyers with credit scores below 580 cannot borrow as much with an FHA loan, and therefore have to pay more money out of pocket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What the Official Handbook Says<\/h2>\n\n\n\n<p>The maximum loan-to-value requirement can be found in HUD Handbook 4000.1 (also known as the <em>Single Family Housing Policy Handbook<\/em>). In Part II&nbsp;of the handbook, within a section entitled &#8220;Allowable Mortgage Parameters,&#8221; we find the following:<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f7f7f7\">&#8220;For purchase transactions, the maximum LTV is 96.5 percent of the Adjusted Value.&#8221;<\/p>\n\n\n\n<p>Note: This requirement is for home <em>purchase<\/em> loans, in particular. HUD has different guidelines for special programs and products, including refinances. The maximum LTV for those programs are based on requirements listed in the &#8220;Programs and Products&#8221; section of the 4000.1 handbook.<\/p>\n\n\n\n<p>The table below shows the minimum credit score for FHA eligibility and maximum financing. This table was adapted from HUD&#8217;s <em>Single Family Housing Policy Handbook<\/em>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table  class=\" table table-hover\" ><tbody><tr><td><strong>If your score is&#8230;<\/strong><\/td><td><strong>Then you are&#8230;<\/strong><\/td><\/tr><tr><td>580 or higher<\/td><td>eligible for maximum financing (96.5% LTV)<\/td><\/tr><tr><td>between 500 and 579<\/td><td>limited to a maximum LTV of 90%<\/td><\/tr><tr><td>499 or lower<\/td><td>not eligible for an FHA-insured mortgage loan<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>This table reiterates all of the key points we covered above:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To qualify for maximum financing (with a loan-to-value up to 96.5%) the borrower must have a &#8220;minimum decision credit score&#8221; of at least 580.<\/li>\n\n\n\n<li>If the borrower&#8217;s score falls between 500 and 579, he or she will be limited to an LTV ratio no higher than 90%, and therefore a bigger down payment.<\/li>\n\n\n\n<li>Borrowers with credit scores below 500 are generally not eligible for the FHA loan program.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How It Compares to Conventional Financing<\/h2>\n\n\n\n<p>The FHA loan program allows for a relatively high LTV ratio. This means that borrowers can make a fairly low down payment, as little as 3.5% of the purchase price. That&#8217;s one of the main benefits of this program.<\/p>\n\n\n\n<p>The next logical question is, how does this compare to conventional or &#8220;regular&#8221; mortgages? Does the FHA program allow for a higher loan-to-value ratio when compared to conventional financing?<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f7f7f7\">In many cases, the answer is yes. FHA loans often permit borrowers to have a higher LTV, when compared to a conventional (or non-government-backed) mortgage loan.<\/p>\n\n\n\n<p>Let&#8217;s clear up some more terminology before continuing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FHA loans<\/strong>&nbsp;are insured by the government through the Federal Housing Administration. The funding comes from a lender in the private sector, the same as any other loan. But those lenders receive insurance from the government that protects them against borrower default.<\/li>\n\n\n\n<li><strong>Conventional loans<\/strong>&nbsp;are not insured or guaranteed by the federal government. They are generated (and sometimes insured) solely within the private sector. In the mortgage industry, the term &#8220;conventional&#8221; basically means &#8220;not government insured.&#8221;<\/li>\n<\/ul>\n\n\n\n<p>These days, most conventional loans have a maximum loan-to-value ratio of 95%. This in turn means that the borrower must make a down payment of at least 5% to qualify.<\/p>\n\n\n\n<p>The FHA loan program, on the other hand, generally allows for a&nbsp;<em>higher<\/em>&nbsp;LTV ratio and therefore a&nbsp;<em>lower<\/em>minimum down payment. That&#8217;s one of the main reasons why borrowers with limited funds gravitate toward this program.<\/p>\n\n\n\n<p><strong>To be clear:<\/strong>&nbsp;Some conventional mortgages allow for a loan-to-value ratio up to 97%, with a 3% down payment.&nbsp;<a href=\"https:\/\/singlefamily.fanniemae.com\/originating-underwriting\/mortgage-products\/homeready-mortgage\" target=\"_blank\" rel=\"noreferrer noopener\">Fannie Mae&#8217;s HomeReady program<\/a>&nbsp;is a good example. But these programs are often limited to first-time buyers and\/or borrowers with low incomes.<\/p>\n\n\n\n<p>The more mainstream conventional loans usually require at least 5% down, compared to the 3.5% minimum down payment for an FHA loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">VA Loans Allow for an LTV of 100%<\/h2>\n\n\n\n<p>It&#8217;s worth mentioning that the VA loan program for military members and veterans allows for an LTV ratio up to 100%. This means the borrower can finance the entire home purchase price, without the need for a down payment.<\/p>\n\n\n\n<p>This is an important point, because a lot of people who are qualified for FHA financing are also qualified for the VA home loan program. And the VA program is hard to beat. VA loans don&#8217;t require a down payment or mortgage insurance, and have very flexible criteria.<\/p>\n\n\n\n<p>But they&#8217;re not for everyone. Only military members, veterans, and surviving spouses can qualify for a VA-backed mortgage.<\/p>\n\n\n\n<p><em>Disclaimer: Every lending scenario is different because every borrower is different. As a result, portions of this article might not apply to your particular actuation. The best way to determine if you are qualified for an FHA loan is to get pre-approved through a HUD-approved mortgage lender.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you plan to use an FHA loan to buy a house, you&#8217;ll be limited to a certain loan-to-value ratio, or LTV. The maximum loan-to-value ratio for the FHA mortgage insurance program is 96.5%, according to official HUD guidelines. This means that eligible borrowers can make a down payment as low as 3.5% of the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1290","post","type-post","status-publish","format-standard","hentry","category-fha-loans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Maximum Loan-to-Value (LTV) Ratio for the FHA Mortgage Program<\/title>\n<meta name=\"description\" content=\"Borrowers who use FHA loans are limited to a maximum loan-to-value (LTV) ratio of 96.5%. This means you can make a down payment of just 3.5%\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maximum Loan-to-Value (LTV) Ratio for the FHA Mortgage Program\" \/>\n<meta property=\"og:description\" content=\"Borrowers who use FHA loans are limited to a maximum loan-to-value (LTV) ratio of 96.5%. This means you can make a down payment of just 3.5%\" \/>\n<meta property=\"og:url\" content=\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/\" \/>\n<meta property=\"og:site_name\" content=\"FHAHandbook.com\" \/>\n<meta property=\"article:published_time\" content=\"2018-07-29T20:44:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-23T01:34:19+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV-1024x427.png\" \/>\n<meta name=\"author\" content=\"Brandon Cornett\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brandon Cornett\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/#article\",\"isPartOf\":{\"@id\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/\"},\"author\":{\"name\":\"Brandon Cornett\",\"@id\":\"https:\/\/www.fhahandbook.com\/blog\/#\/schema\/person\/83ac46f0394be7a6d0f9fdf13252df6d\"},\"headline\":\"Maximum Loan-to-Value (LTV) Ratio for the FHA Mortgage Program\",\"datePublished\":\"2018-07-29T20:44:57+00:00\",\"dateModified\":\"2024-04-23T01:34:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/\"},\"wordCount\":1180,\"image\":{\"@id\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV-1024x427.png\",\"articleSection\":[\"FHA Loans\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/\",\"url\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/\",\"name\":\"Maximum Loan-to-Value (LTV) Ratio for the FHA Mortgage Program\",\"isPartOf\":{\"@id\":\"https:\/\/www.fhahandbook.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/#primaryimage\"},\"image\":{\"@id\":\"http:\/\/www.fhahandbook.com\/blog\/maximum-loan-to-value-ratio\/#primaryimage\"},\"thumbnailUrl\":\"http:\/\/www.fhahandbook.com\/blog\/wp-content\/uploads\/2018\/07\/FHA_LTV-1024x427.png\",\"datePublished\":\"2018-07-29T20:44:57+00:00\",\"dateModified\":\"2024-04-23T01:34:19+00:00\",\"author\":{\"@id\":\"https:\/\/www.fhahandbook.com\/blog\/#\/schema\/person\/83ac46f0394be7a6d0f9fdf13252df6d\"},\"description\":\"Borrowers who use FHA loans are limited to a maximum loan-to-value (LTV) ratio of 96.5%. 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