HUD Housing Counselors

Login

Login
|
Register

Main navigation

Certification
About
Resources
Support
Contact Us

loan-to-value ratio, or LTV ratio

August 23, 2026

·

A percentage calculated by dividing the amount of the outstanding loan amount by the sales price or appraised value of the home; also called an LTV ratio.

HUD’s Office of Housing Counseling

#HUDCertifiedProud

Use #HUDCertifiedProud once you are HUD Certified!

HUD Office of Housing Counseling

451 7th St SW, Washington, DC 20410

(800) 225-5342

housing.counseling@hud.gov

Certification
About
Resources
Support
Contact
Simplified View

Terms of Use
Privacy Policy

Note: This material is based upon work supported by funding under an award with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. Neither the United States Government, nor any of its employees, makes any warranty, express or implied, or assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed, or represents that its use would not infringe privately-owned rights. Reference herein to any specific commercial product, process, or service by trade name, trademark, manufacturer, or otherwise does not necessarily constitute or imply its endorsement, recommendation, or favoring by the U.S. Government or any agency thereof. Opinions expressed on the HUD Exchange are those of the authors and do not necessarily reflect the official position of, or a position that is endorsed by, HUD or by any HUD program.