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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