USDA Loans in Kentucky

USDA LOAN BENEFITS IN KENTUCKY
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.

USDA LOAN ELIGIBILITY IN KENTUCKY
To qualify for a USDA Loan, the home you are looking to purchase will have to be in a community approved by the USDA Loan Program. These areas generally have populations of less than 35,000 people. However, these areas are not as clearly defined by city lines, so if you meet the credit and income criteria please apply and let one of our certified USDA Loan Agents take care of the rest.

To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in Kentucky.

County Name Family Size 1 -4 Family Size 5 – 8
Adair $78,200 $103,200
Allen $78,200 $103,200
Anderson $78,900 $104,150
Ballard $78,200 $103,200
Barren $78,200 $103,200
Bath $78,200 $103,200
Bell $78,200 $103,200
Boone $85,900 $113,400
Bourbon $78,400 $103,500
Boyd $78,200 $103,200
Boyle $78,200 $103,200
Bracken $85,900 $113,400
Breathitt $78,200 $103,200
Breckinridge $78,200 $103,200
Bullitt $78,200 $103,200
Butler $78,200 $103,200
Caldwell $78,200 $103,200
Calloway $78,200 $103,200
Campbell $85,900 $113,400
Carlisle $78,200 $103,200
Carroll $78,200 $103,200
Carter $78,200 $103,200
Casey $78,200 $103,200
Christian $78,200 $103,200
Clark $78,400 $103,500
Clay $78,200 $103,200
Clinton $78,200 $103,200
Crittenden $78,200 $103,200
Cumberland $78,200 $103,200
Daviess $78,200 $103,200
Edmonson $78,200 $103,200
Elliott $78,200 $103,200
Estill $78,200 $103,200
Fayette $78,400 $103,500
Fleming $78,200 $103,200
Floyd $78,200 $103,200
Franklin $78,200 $101,450
Fulton $78,200 $103,200
Gallatin $85,900 $113,400
Garrard $78,200 $103,200
Grant $78,200 $103,200
Graves $78,200 $103,200
Grayson $78,200 $103,200
Green $78,200 $103,200
Greenup $78,200 $103,200
Hancock $78,200 $103,200
Hardin $78,200 $99,850
Harlan $78,200 $99,850
Harrison $78,200 $103,200
Hart $78,200 $103,200
Henderson $78,200 $103,200
Henry $78,200 $103,200
Hickman $78,200 $103,200
Hopkins $78,200 $103,200
Jackson $78,200 $103,200
Jefferson $78,200 $103,200
Jessamine $78,400 $103,500
Johnson $75,650 $103,200
Kenton $85,900 $113,400
Knott $78,200 $103,200
Knox $78,200 $103,200
Larue $78,200 $103,200
Laurel $78,200 $103,200
Lawrence $78,200 $103,200
Lee $78,200 $103,200
Leslie $78,200 $103,200
Letcher $78,200 $103,200
Lewis $78,200 $103,200
Lincoln $78,200 $103,200
Livingston $78,200 $103,200
Logan $78,200 $103,200
Lyon $78,200 $103,200
Madison $78,200 $103,200
Magoffin $78,200 $103,200
Marion $78,200 $103,200
Marshall $78,200 $103,200
Martin $78,200 $103,200
Mason $78,200 $103,200
McCracken $78,200 $103,200
McCreary $78,200 $103,200
McLean $78,200 $103,200
Meade $78,200 $103,200
Menifee $78,200 $103,200
Mercer $78,200 $103,200
Metcalfe $78,200 $103,200
Monroe $78,200 $103,200
Montgomery $78,200 $103,200
Morgan $78,200 $103,200
Muhlenberg $78,200 $103,200
Nelson $78,200 $103,200
Nicholas $78,200 $103,200
Ohio $78,200 $103,200
Oldham $78,200 $103,200
Owen $78,200 $103,200
Owsley $75,650 $103,200
Pendleton $85,900 $113,400
Perry $75,650 $103,200
Pike $75,650 $103,200
Powell $75,650 $103,200
Pulaski $75,650 $103,200
Robertson $75,650 $103,200
Rockcastle $75,650 $103,200
Rowan $75,650 $103,200
Russell $75,650 $103,200
Scott $78,400 $103,500
Shelby $84,750 $111,850
Simpson $78,200 $103,200
Spencer $78,200 $103,200
Taylor $78,200 $103,200
Todd $78,200 $103,200
Trigg $78,200 $103,200
Trimble $78,200 $103,200
Union $78,200 $103,200
Warren $78,200 $103,200
Washington $78,200 $99103,200850
Wayne $78,200 $103,200
Webster $78,200 $103,200
Whitley $78,200 $103,200
Wolfe $78,200 $103,200
Woodford $78,400 $103,500

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