USDA Loans Kentucky 

Overview:  In order to be eligible for many USDA loans, household income must meet certain guidelines. Also, the home to be purchased must be located in an eligible rural area as defined by the USDA.  Applying for a USDA home loan is easy and secure you can fill out a quick online application or call to speak to a USDA loan specialist to see if you qualify for the program.

No Money Down: For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!

Great Interest Rates: USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.

Affordable 30 Year Terms: USDA home loans also offers affordable 30-year terms. If you are a first time home buyer - or not - a USDA loan is the perfect fit.

Roll in Your Closing Costs: A USDA loan allows you to finance in your closing costs up to the appraised value, making the USDA loan the only mortgage on the market with this ability.

 A full list of programs can be found here. For Kentucky specifically, you can view a list of key programs and recent news here. 

If you’re interested in applying for a loan in Kentucky, review our Loan Application Checklist to determine if you’re ready to apply.