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
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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
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