Kentucky Counties Eligible for Rural Housing Loans

There is a large portion of Kentucky Counties that are eligible for rural housing no money down loans financed by USDA ! Many suburban areas of large MSAs are eligible  in Kentucky– not just for rural areas of Kentucky.

USDA’s foot print actually encompasses entire small towns as well as many suburban areas which border cities of large cities and metro areas like, Northern Kentucky Counties of Boone, Kenton, Campbell, along with cities of  Louisville, Lexington, Paducah, Bowling Green, Henderson, and Frankfort KY.

Ability to run GUS through USDA for instant loan pre-approval is one of the best features of getting pre-approved for a USDA

100% LTV available in every area of Kentucky that qualified for a USDA loans

Click on Link below for map

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Key Benefits of USDA Loans in Kentucky are as follows:

No down payment required in most cases.

Low monthly mortgage insurance .35% factor vs FHA which is 85%

Typically lower interest rates than other loan types when compared to Conventional loans in Kentucky

Flexible credit guidelines in regards to previous bankruptcies and foreclosures in the last 3 years.

USDA Loan Requirements

Minimum credit score of 581, but most USDA lenders in Kentucky will want to see a mid score of 620 to 640 is preferred.

Property must be your primary residence and cannot be income producing.

The USDA program is designed for those who do not own other properties.

Questions About Kentucky USDA Loans?

Homes for Sale in Kentucky by USDA

Income Based Repayment (IBR) plans


Income Limits

ineligible areas

Interest Rate Buydowns

Kentucky FHA

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manufactured homes

map changes for 2013 Ky USDA homes


MI Changes for USDA Oct 2011

mobile homes

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Payment Shock


POA Power of Attorney USDA Loans

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Property Eligibility Cities

Property Eligilibity

Property/Appraisal Requirements for USDA Loan

Rates Today

Refinance Pilot Program Streamline

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Rural Development loan

Self-employed USDA Loans

Seller Concessions

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SFH Direct property

short sale USDA loans

Student Loans

Subsidy Recapture

Swimming Pools for USDA Loans

Tax Issues and Selling a Home

tradeline minimum for USDA Approval

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USDA /Rural Housing Loan Offices in Ky



USDA/RHS Income limits by Ky Counties


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Zero Down Home Loans

Kentucky USDA home loans, also known as Rural Development loans, or RD, RHS are mortgages that are guaranteed by the U.S. Department of Agriculture. Their purpose is to promote home ownership in defined rural areas. So if you are interested in buying a house out in the country, a USDA loan may be right for you.

Joel Lobb

Senior Loan Officer


text or call my phone: (502) 905-3708

email me at

The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, ( USDA Mortgage loans only offered in Kentucky.

All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.