Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Rural Housing Map for 2025

Kentucky USDA Rural Housing Map for 2025

Kentucky USDA Rural Housing Map

Find homes in Kentucky that are eligible for USDA Rural Housing loans using this interactive map. Enter the property address in the search bar to check eligibility, or explore eligible areas on the map below.

Open Full USDA Eligibility Map

enter address below:

👇👇👇👇

How to Use This Map:

Enter the property address in the search bar to check if it's eligible for USDA Rural Housing loans.
Zoom in and out to explore eligible rural areas across Kentucky.
Select "Single Family Housing" from the options to refine your search.

USDA loans are an excellent option for homebuyers looking for 100% financing in eligible rural areas of Kentucky. If you need help navigating USDA loan programs or eligibility requirements, contact us for expert guidance.

Complete Kentucky USDA County Directory

Adair County- Columbia - Eligible

Allen County- Scottsville - Eligible

Anderson County- Lawrenceburg - Eligible

Ballard County- Wickliffe - Eligible

Barren County- Glasgow - Eligible

Bath County- Owingsville - Eligible

Bell County- Pineville - Eligible

Bourbon County- Paris - Eligible

Bracken County- Brooksville - Eligible

Breathitt County- Jackson - Eligible

Breckinridge County- Hardinsburg - Eligible

Butler County- Morgantown - Eligible

Caldwell County- Princeton - Eligible

Calloway County- Murray - Eligible

Carlisle County- Bardwell - Eligible

Carroll County- Carrollton - Eligible

Carter County- Grayson - Eligible

Casey County- Liberty - Eligible

Clark County- Winchester - Eligible

Clay County- Manchester - Eligible

Clinton County- Albany - Eligible

Crittenden County- Marion - Eligible

Cumberland County- Burkesville - Eligible

Edmonson County- Brownsville - Eligible

Elliott County- Sandy Hook - Eligible

Estill County- Irvine - Eligible

Fleming County- Flemingsburg - Eligible

Floyd County- Prestonsburg - Eligible

Fulton County- Hickman - Eligible

Gallatin County- Warsaw - Eligible

Garrard County- Lancaster - Eligible

Grant County- Williamstown - Eligible

Graves County- Mayfield - Eligible

Grayson County- Leitchfield - Eligible

Green County- Greensburg - Eligible

Greenup County- Greenup - Eligible

Hancock County- Hawesville - Eligible

Harlan County- Harlan - Eligible

Harrison County- Cynthiana - Eligible

Hart County- Munfordville - Eligible

Henderson County- Henderson - Eligible

Henry County- New Castle - Eligible

Hickman County- Clinton - Eligible

Hopkins County- Madisonville - Eligible

Jackson County- McKee - Eligible

Jessamine County- Nicholasville - Eligible

Johnson County- Paintsville - Eligible

Knott County- Hindman - Eligible

Knox County- Barbourville - Eligible

LaRue County- Hodgenville - Eligible

Laurel County- London - Eligible

Lawrence County- Louisa - Eligible

Lee County- Beattyville - Eligible

Leslie County- Hyden - Eligible

Letcher County- Whitesburg - Eligible

Lewis County- Vanceburg - Eligible

Lincoln County- Stanford - Eligible

Livingston County- Smithland - Eligible

Logan County- Russellville - Eligible

Lyon County- Eddyville - Eligible

Magoffin County- Salyersville - Eligible

Marion County- Lebanon - Eligible

Marshall County- Benton - Eligible

Martin County- Inez - Eligible

Mason County- Maysville - Eligible

McCreary County- Whitley City - Eligible

McLean County- Calhoun - Eligible

Meade County- Brandenburg - Eligible

Menifee County- Frenchburg - Eligible

Mercer County- Harrodsburg - Eligible

Metcalfe County- Edmonton - Eligible

Monroe County- Tompkinsville - Eligible

Montgomery County- Mount Sterling - Eligible

Morgan County- West Liberty - Eligible

Muhlenberg County- Greenville - Eligible

Nicholas County- Carlisle - Eligible

Ohio County- Hartford - Eligible

Owen County- Owenton - Eligible

Owsley County- Booneville - Eligible

Pendleton County- Falmouth - Eligible

Perry County- Hazard - Eligible

Pike County- Pikeville - Eligible

Powell County- Stanton - Eligible

Pulaski County- Somerset - Eligible

Robertson County- Mount Olivet - Eligible

Rockcastle County- Mount Vernon - Eligible

Rowan County- Morehead - Eligible

Russell County- Jamestown - Eligible

Simpson County- Franklin - Eligible

Spencer County- Taylorsville - Eligible

Taylor County- Campbellsville - Eligible

Todd County- Elkton - Eligible

Trigg County- Cadiz - Eligible

Trimble County- Bedford - Eligible

Union County- Morganfield - Eligible

Washington County- Springfield - Eligible

Wayne County- Monticello - Eligible

Webster County- Dixon - Eligible

Whitley County- Williamsburg - Eligible

Wolfe County- Campton - Eligible

Woodford County- Versailles - Eligible

Boone County- Burlington - Partially Eligible

Boyd County- Catlettsburg - Partially Eligible

Boyle County- Danville - Partially Eligible

Bullitt County- Shepherdsville - Partially Eligible

Christian County- Hopkinsville - Partially Eligible

Daviess County- Owensboro - Partially Eligible

Franklin County- Frankfort - Partially Eligible

Hardin County- Elizabethtown - Partially Eligible

Madison County- Richmond - Partially Eligible

McCracken County- Paducah - Partially Eligible

Nelson County- Bardstown - Partially Eligible

Oldham County- La Grange - Partially Eligible

Scott County- Georgetown - Partially Eligible

Warren County- Bowling Green - Partially Eligible

Campbell County- Newport - Not Eligible

Fayette County- Lexington - Not Eligible

Jefferson County- Louisville - Not Eligible

Kenton County- Covington - Not Eligible

🔍 Check Your Property's USDA Eligibility

Enter your Kentucky property address to get an instant eligibility assessment for USDA rural housing loans.

For official USDA verification:

🗺️ Official USDA Property Eligibility Tool

📋 What You Need to Know

✅ Eligible Areas Include:

Rural towns under 10,000 population
Open country areas
Some towns 10,000-25,000 people
Designated rural subdivisions

❌ Ineligible Areas Include:

Louisville Metro area
Lexington Metro area
Cincinnati Metro (Northern KY)
Dense urban centers

⚠️ Partial Areas Include:

Suburbs of major cities
Mid-size city outskirts
Mixed urban/rural counties
University towns

🏠 USDA Loan Benefits:

No down payment required
No monthly mortgage insurance
Competitive fixed rates
Flexible credit requirements

Ready to Start Your Kentucky USDA Loan Application?

Get expert guidance from Kentucky's leading USDA loan specialist with over 15 years of experience helping families achieve homeownership.

Joel Lobb - Licensed Mortgage Broker
Specializing in: FHA, VA, KHC, USDA Loans
NMLS #57916 | EVO Mortgage NMLS #1738461
Serving all 120 Kentucky Counties

📞 Call/Text (502) 905-3708 🌐 Visit MyLouisvilleKentuckyMortgage.com

🏠 Equal Housing Lender | www.nmlsconsumeraccess.org

1 - Email - kentuckyloan@gmail.com

2. Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans

Website: www.mylouisvillekentuckymortgage.com
Address: 911 Barret Ave., Louisville, KY 40204

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.

About Me

Your Trusted Kentucky Mortgage Expert I specialize in assisting Kentucky First-Time Homebuyers with mortgage loans, including FHA, VA, USDA & Rural Housing, KHC (Kentucky Housing Corporation), and Fannie Mae programs. With over 20 years of experience in the mortgage industry, I’ve helped more than 1,300 Kentucky families achieve their dream of homeownership or refinance their current mortgages to secure lower payments. Whether you’re a first-time buyer or looking to refinance, I am here to guide you through every step of the process with personalized attention, expert advice, and the best loan options available to fit your unique needs. Down Payment Assistance: For Kentucky first-time homebuyers, we still have down payment assistance available through KHC programs. These funds can make a huge difference in reducing upfront costs and making homeownership more accessible. Why Work With Me? Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs. Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly. Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs. Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process. About My Website Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find: Step-by-step guides for first-time homebuyers. Information on loan programs like FHA, VA, USDA, and KHC. Tools to help you calculate potential payments and affordability. Blog posts with tips and updates on the Kentucky housing market. A secure portal to start your loan application and upload documents. Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools. -- 1 - Email - kentuckyloan@gmail.com 2. Call/Text - 502-905-3708 Joel Lobb Mortgage Loan Officer - Expert on Kentucky Mortgage Loans www.mylouisvillekentuckymortgage.com 911 Barret Ave., Louisville, KY 40204 Evo Mortgage Company NMLS# 1738461 Personal NMLS# 57916 For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly. Licensing Info: Kentucky Mortgage Loan Only NMLS Personal ID: 57916 Company NMLS ID: 1738461 www.nmlsconsumeracces.org Equal Housing Lender Email ThisBlogThis!Share to XShare to FacebookShare to Pinterest Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

Kentucky USDA Rural Housing Mortgage Loan Officer Expert..

I have helped over 1300 Kentucky families buy or refinance their home over the last 18 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.

I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you a competitive priced loan locally. Whereas most banks will offer offer you their one set of loan products. I have access to over 15 different mortgage companies to broker your loan through to get you competitive pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.

You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.

Give us a try or let us compare your options on your next mortgage transaction. Call/text me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer, we offer Kentucky Housing or KHC loans with down payment assistance.

This website is not an government agency, and does
not officially represent the HUD, VA, USDA or FHA or any other government agency.

NMLS# 57916 http://www.nmlsconsumeraccess.org/

Joel Lobb Senior Loan Officer

call/text phone: (502) 905-3708
kentuckyloan@gmail.com

Company ID #1738461
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/

Customer Testimonials

We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel's website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.

Angela Forsythe

"We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2016

Monica Leinhardt

"We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definetly recommmend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck
“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012

Jon ClarK

“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty
“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010
Stacie Drake

"We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."

Melody Glasscock March 2014

Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn't expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS.

Cee Bellisle August 2018

😃

Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours.
Anderson Johnson April, 2018

We moved from Michigan to Northern Kentucky area and we were really impressed. We got a USDA loan no money down and closed in less than 3.5 weeks. We shopped around online with other lenders but Joel was always first to respond and his rates were just a little better than other lenders. He kept us informed through the process along with our realtor and there was absolutely no surprises like we heard from other co-workers and friends that they experienced in their loan process. We have already referred another co-worker to Joel . He's AWESOME!

Patty Kingston July 2018

😍

betty parsons

Wow, what a great loan officer. I was referred to him by our agent and he was great to work with. We used him for a USDA no money down loan in Shelby County and we were really impressed. We were afraid we could not buy a home since we did not have money saved for a down payment, but Joe l was able to get us a zero down loan and we even got our appraisal fee and good faith deposit back at closing. We actually got money back at closing!!! I Can't think him enough. Our family moved from our apartment in the south end of town to get our own home with 5 acres for our kids and 2 dogs, at a payment that is equal to our rent payment also. .Thanks Again Joel. May god bless you

Patty Locker

We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes, but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy 😀!!! I would definitely recommend him for a local Home loan in the Louisville area.

pam dolby

I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel . I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early.

I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel .

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 his employer.

Joel Lobb or his employer 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.

This website is an Equal Opportunity Lender. All rights Reserved.

Legal Disclaimer

This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.

**Download Fair Housing Booklet – CLICK HERE

All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.

Full Disclosure Policy

This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.

This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

Pages