Every Kentucky Loan Type. One Local Expert.

Whether you’re buying your first home, using down payment assistance, or rebuilding credit — there’s a program that fits. Compare them side by side before you commit.

🏠 FHA Loan

The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.

3.5% down · 580+ creditLearn More →

🎖 VA Loan

Zero down and no monthly mortgage insurance for veterans and active-duty service members.

$0 down · VA eligibleLearn More →

🌾 USDA Loan

100% financing for eligible rural and suburban Kentucky buyers within income limits.

$0 down · USDA areasLearn More →

🏛 KHC Assistance

Kentucky Housing down payment assistance for first-time and repeat buyers.

Up to $12,500 assistanceLearn More →

📈 Conventional

Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.

3% down · 620+ creditLearn More →

💰 Zero Down Options

Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.

$0 down programsLearn More →

🌟 First-Time Buyers

All Kentucky first-time homebuyer programs compared in plain English.

Programs & grantsLearn More →

📊 Credit Scores

What score you actually need for each loan type in 2026 — and how to raise yours.

By loan programLearn More →

Getting a Kentucky Mortgage in 3 Simple Steps

No confusing paperwork trails. No surprise fees. A clear path from first call to keys in hand.

💬 Get Pre-Qualified

Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.

📋 Compare Your Options

FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.

🏠 Close & Get Your Keys

Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

Watch: Kentucky Mortgage Guides

Straight answers from my YouTube channel — no jargon, no sales pitch.

▶ More videos on my YouTube channel →

Joel Lobb and family - Kentucky mortgage loan officer

Kentucky Local. Not a Call Center.

Hi, I’m Joel Lobb — a Kentucky dad who’s spent 20+ years helping families across all 120 counties buy their first home. When you call, you get me — not a phone tree. Questions on a Saturday morning? I answer.

1,300+ Kentucky families have trusted me with their mortgage — from Louisville to Lexington to the smallest towns in the state. Free application reviews, same-day pre-approvals, and honest answers about what you actually qualify for.

See What You Qualify For →

Kentucky State Loan Programs

- February 06, 2011

Kentucky State Loan Programs

Program titles link to program source website or pdf file (where available). Links open in a new window.

Down Payment Assistance Program (DAP) KHC has five options for down-payment assistance available to qualified homebuyers. The regular DAP is a second mortgage for up to $4,500 which features a deferred repayment until July 1, 2010. The HOME-DAP also provides up to $4,500, but may be forgiven over the next five years if the homeowner stays there that long. A HOME Special Program is similar, but is meant for the disabled and the elderly, and offers assistance of up to $10,000. The HOME Family Program is like the other HOME programs, but is offered only to first-time homebuyers who are also parents of minor children. Finally, the Second Mortgage Product is a down-payment assistance program available only to borrowers working with the Secondary Market Program.

Foreclosure Prevention Counselors We are approved by the U. S. Department of Housing and Urban Development (HUD) to provide counseling, education and advice in housing issues to new and existing homeowners.

Kentucky Housing Loans Homebuyers who purchase a home through Kentucky Housing are able to secure a 30-year fixed first mortgage on their new home, subject to income and other credit-related requirements. If needed, the Down Payment Assistance Program (DAP) may be used to help with the minimum 3 percent down payment.

New Construction Program for Single-Parent, Disabled, and Elderly Households This special loan program makes it easier for certain Kentucky residents to be able to build their own home. Single parents of minor children, SSI/SSDI recipients, disabled veterans, and homebuyers aged 62 or older qualify for the program and may also use the KHC DAP loan program to help with the up-front costs of securing the first mortgage. Income and purchase price limits apply.

Secondary Market Program Homeowners who wish to refinance their home in a conventional mortgage with KHC can do so, subject to credit approval. Repeat buyers and current homeowners may receive financing for up to $316,000 on new and existing homes.