What is the best mortgage loan program in Kentucky for first-time homebuyers?

The best loan program depends on your credit, income, and location. USDA offers 100% financing in eligible rural areas, FHA helps buyers with lower credit scores, VA is ideal for veterans and active-duty military, and Conventional loans are best for borrowers with stronger credit profiles.

What credit score do I need to buy a home in Kentucky?

Most mortgage programs require a minimum score of 580 for FHA, 620 for Conventional, 640 for USDA automated approval, and 580 for most VA lenders.

Which Kentucky loan programs offer no down payment?

USDA Rural Housing and VA loans both offer 100% financing with no down payment. USDA requires the home to be in an eligible rural area and VA requires veteran or military eligibility.

Does Kentucky Housing Corporation (KHC) offer down payment assistance?

Yes. KHC offers a $10,000 down payment assistance second mortgage paid over 10 years. Eligible with FHA, VA, USDA, and Conventional loans (620+ score).

How long after bankruptcy can I buy a home in Kentucky?

FHA requires 2 years after Chapter 7 (or 1 year into Chapter 13). VA requires 2 years. USDA requires 3 years. Conventional loans require 4–7 years depending on bankruptcy type.

Kentucky Mortgage Loan Programs | FHA, VA, USDA & Conventional Guide

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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 →

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