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  4. NerdWallet's calculator helps determine your LTV ratio for a home The highest acceptable LTV ratio for a conventional mortgage is 97%, and for FHA Having a high ratio is not as big of a deal as it used to be.
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  • What’s more, if you only have a small deposit, you'll find there are fewer mortgage products available to you - especially if your deposit is only 5% - which means there’s simply less choice of cheaper deals.
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