Updated August 3, 2026

Kentucky offers several strong mortgage programs for first-time and repeat buyers — FHA (3.5% down), VA and USDA (0% down), conventional (3% down), and KHC down payment assistance up to $12,500. Each program’s full 2026 guidelines, credit score requirements, and loan limits are covered in the complete guide:

→ 2026 Kentucky First-Time Home Buyer Guide: FHA, VA, USDA, Conventional, KHC & SmartBuy Down Payment Assistance

More Program Resources

Questions? Call or text Joel Lobb at 502-905-3708 or email kentuckyloan@gmail.com.

Joel Lobb — Mortgage Loan Officer
NMLS #57916 | EVO Mortgage, Company NMLS #1738461
Equal Housing Lender.

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  39. Website Fine Print
    The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of Key Financial Mortgage .
    Neither Joel Lobb nor Key Financial Mortgage assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.
    The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.
    Key Financial Mortgage is an Equal Opportunity Lender. All rights Reserved.
    Key Financial Mortgage of Ky is not a part of, nor are we affiliated with, the VA, FHA/HUD, USDA. These aforementioned entities are a government agency, not a lender. They simply insures the mortgage; they do not loan the money. Key Financial Mortgage is a licensed loan mortgage broker in the State of Kentucky (NMLS#1800) and not affiliated with any Government Agency. Joel Lobb is a licensed loan officer in the state of Kentucky (NMLS#57916)

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