Understanding Closing Costs for Kentucky Mortgages


Kentucky Mortgage Closing Costs Explained (2026 Guide for Home Buyers and Refinance Borrowers) If you’re buying or refinancing a home in Kentucky, closing costs are one of the most misunderstood — and most searched — parts of the mortgage process. Borrowers comparing Kentucky FHA, VA, USDA, and Conventional mortgage programs often want to know exactly … Continue reading Understanding Closing Costs for Kentucky Mortgages

Kentucky Credit Score Requirements for Home Loans


Many lenders in Kentucky look for a 580+ credit score to qualify for the 3.5% minimum down payment on an FHA loan. Scores between 500 and 579 may be considered

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

Kentucky Mortgage Approval: Income & Job History Tips


Acceptable Income and Job History for a Mortgage Loan Approval in Kentucky