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Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans's avatarLouisville Kentucky Mortgage Loans

Short answer: FHA does not set a minimum number of months you must be at your current job. What HUD’s Handbook 4000.1 requires is a documented two-year work history, a job you have already started, and income that is likely to continue. New job? Recent graduate? Just out of the military? Gap in employment? All of those can still be approved for a Kentucky FHA loan when the file is documented the right way. Below is exactly how underwriters look at your job history in 2026, plus how the rules differ for VA, USDA, KHC, and conventional loans.

One-minute whiteboard explainer: the employment history rule for FHA, VA, USDA, KHC, and conventional loans in Kentucky.

Quick facts for Kentucky FHA borrowers

  • Two-year employment history required, but no minimum time on your current job
  • School and military service count toward the two years
  • Gap of six months or more: usually…

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