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

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.

Kentucky First-Time Home Buyer Loan Programs


Kentucky First Time Home Buyer Loan Programs for 2024

Kentucky FHA Loan Requirements