LTV (loan to value)i am going to apply a loan. i put down 20% to maintain ltv of 80% to avoid paying pmi. if next year or 2 year later, my home value is going down, so do i have to put some more money down to maintain ltv of 80% to avoid paying pmi?February 13 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.