Kentucky VA Home Loans


Kentucky VA Home Loans

Updated for 2025–2026

$0 down payment, no PMI, and lower interest rates for Kentucky veterans and active-duty borrowers.

Check Eligibility

Why Veterans Choose VA Loans

No Down Payment

Buy a home up to $832,750+ with zero down in Kentucky.

No Mortgage Insurance

Save $150–$400 per month with no PMI ever required.

Easier Approval

Many lenders approve VA loans with 620+ credit even though VA does not have minimum score lenders create overlays. We can go down to 500 score if it makes sense on a manual underwrite

2026 Kentucky VA Loan Limits

Standard VA county limit: $832,750

With full entitlement: No loan limit.

KY Homestead Exemption: $49,100 deduction for disabled or 65+ homeowners.

Typical VA Closing Costs

  • Funding Fee: 2.15% (0% if exempt)
  • VA Appraisal: $605 VA appraisal fee in Kentucky for 2026- subject to change
  • Origination: 1% max

Who Qualifies?

  • 90 days wartime service
  • 181 days peacetime service
  • 6 years Guard/Reserve
  • Eligible surviving spouses

Request a Kentucky VA Rate Quote

Veteran Active Duty National Guard / Reserves Surviving Spouse
Apply Now
{ “@context”:”https://schema.org”, “@type”:”FAQPage”, “mainEntity”:[ { “@type”:”Question”, “name”:”Do Kentucky VA loans require a down payment?”, “acceptedAnswer”:{ “@type”:”Answer”, “text”:”Most Kentucky veterans qualify for a zero-down VA mortgage with full entitlement.” } }, { “@type”:”Question”, “name”:”What credit score is needed for a VA loan?”, “acceptedAnswer”:{ “@type”:”Answer”, “text”:”While VA has no minimum score, most Kentucky lenders approve VA loans with 600–620+ credit.” } }, { “@type”:”Question”, “name”:”Does a VA loan require mortgage insurance?”, “acceptedAnswer”:{ “@type”:”Answer”, “text”:”No. VA loans have no monthly mortgage insurance, which saves Kentucky borrowers $150–$400 per month.” } } ] }

Kentucky VA Mortgage Lending Resource

Joel Lobb — Mortgage Broker FHA, VA, USDA, KHC
NMLS 57916 | Company NMLS 1738461

10602 Timberwood Cir #3, Louisville KY 40223

Call/Text: 502-905-3708 | kentuckyloan@gmail.com

Equal Housing Lender | Not a government agency

© 2025 Kentucky VA Mortgage Resource

Start Here: Kentucky VA Guides

VA Loan Requirements

Everything you need to qualify in Kentucky.

Read Guide

Credit Score Rules

Understand lender overlays and score expectations.

See Details

VA Loan Limits

2025–2026 loan limits and entitlement rules.

2026 Limits
{ “@context”:”https://schema.org”, “@type”:”BreadcrumbList”, “itemListElement”:[ { “@type”:”ListItem”, “position”:1, “name”:”Home”, “item”:”https://kentuckyvaloan.wordpress.com/” }, { “@type”:”ListItem”, “position”:2, “name”:”Kentucky VA Home Loans”, “item”:”https://kentuckyvaloan.wordpress.com/” } ] }