Top Kentucky Mortgage Programs for First-Time Buyers


Kentucky First-Time Homebuyer Guide 2026 Expert Answers to Your Mortgage Questions | FHA • VA • USDA • KHC Programs

How to buy a house in Kentucky with Zero Down Payment Mortgage Loan


Kentucky Housing Corporation (KHC) Loan (Best for KY Buyers Needing Assistance) Down Payment: $0 with $10,000 Down Payment Assistance (DAP) Interest Rate: ~5.75% Credit Score: 620+ Waiting Period: 2 years after bankruptcy, 3 years after foreclosure Income Limit: $168,700 Who Qualifies? First-time or income-eligible buyers in Kentucky Pros: $10,000 down payment assistance available Can be combined with FHA, VA, or USDA loans Lower interest rates than many other options Cons: Income and purchase price limits apply Requires homebuyer education course DAP is a loan, not a grant (must be repaid) Best for: Kentucky homebuyers needing down payment assistance.

Debt-to-Income (DTI) ratio requirements for ​Kentucky FHA, VA, USDA, and conventional mortgage loans


Debt-to-Income (DTI) ratio requirements for ​Kentucky FHA, VA, USDA, and conventional mortgage loans

Home Loan Programs for Kentucky First-Time Homebuyers


Are you a first-time home-buyer in Kentucky looking to navigate the world of home loans? Understanding the various types of home loan programs can offer clarity. It helps you make informed decisions about financing your dream home. In this article, we'll explore different home loan programs. We will discuss their credit score requirements and down … Continue reading Home Loan Programs for Kentucky First-Time Homebuyers

Kentucky FHA Loan Requirements