How to Buy a Home in Kentucky with Little to No Money Down
Compare FHA, VA, USDA, and KHC loan options. See which program fits your credit, income, military status, and property location so you can reduce cash to close and get pre-approved the right way.
FHA
VA
• $0 down payment
• No monthly mortgage insurance
• For eligible veterans
• No monthly mortgage insurance
• For eligible veterans
USDA
• $0 down payment
• Rural property eligibility
• Income limits apply
• Rural property eligibility
• Income limits apply
KHC
• Up to $12,500 assistance
• Helps with cash to close
• Program limits apply
• Helps with cash to close
• Program limits apply
Most buyers do not need more money — they need a better strategy.
The right loan structure can lower your out-of-pocket costs, maximize seller-paid closing costs, and match you with the best mortgage program available.
Start Your Pre-Approval
Call / Text 502-905-3708
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
EVO Mortgage • Individual NMLS #57916 • Company NMLS #1738461
Equal Housing Lender • Licensed in Kentucky only • Not affiliated with FHA, VA, USDA, KHC, HUD, or any government agency.
This is not a commitment to lend. All loans are subject to credit approval and program guidelines.
