FHA, VA, USDA: Key Loan Options for Kentucky Buyers


Kentucky Home Buyer Guide Loans & Assistance

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 $12,500 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.

2026 Welcome Home Grant: Timing and Tips


Welcome Home Grant is open to qualified applicants purchasing a home in Kentucky. Kentucky Welcome Home Grant Program Guidelines

Navigating Kentucky Mortgage Options for New Homeowners


Mortgage Loans and Tips for Kentucky first time home buyers

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