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The last line of a paragraph continuing on to a new page (highlighted yellow) is a widow (sometimes called an orphan). In typesetting, widows and orphans are single lines of text from a paragraph that dangle at either the beginning or end of a block of text, or form a very short final line at the end of a paragraph. [1]
This down payment may be expressed as a portion of the value of the property (see below for a definition of this term). The loan to value ratio (or LTV) is the size of the loan against the value of the property. Therefore, a mortgage loan in which the purchaser has made a down payment of 20% has a loan to value ratio of 80%.