No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
Kentucky USDA Loans
My state-specific information
Eligibility Requirements – Kentucky
House-hunting in the Bluegrass State? A home loan from the USDA may be just the thing for you. For a family of 1-4 in Kentucky, the average household income limit for a USDA loan is about $119,850; for a family of 5 or more, the limit can be as high as $169,800. Don’t hesitate to contact one of our USDA loan specialists to learn how that new Kentucky home can be yours.
This map shows the areas of Kentucky that are eligible for USDA loans. For more information, check out the USDA property eligibility screen.
Kentucky USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of Kentucky follow the standard USDA income limit. A few metro areas have higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard Kentucky Limit (Most Counties & MSAs) | $119,850 | $158,250 |
| Shelby County, KY HUD Metro FMR Area | $121,700 | $160,650 |
| Bloomington, IN HUD Metro FMR Area (KY Portion) | $124,650 | $164,550 |
| Cincinnati, OH-KY-IN HUD Metro FMR Area | $128,600 | $169,800 |
USDA income limits in Kentucky are based on the property’s county and total household size. These limits use gross household income (everyone in the home who earns income), not just the borrower. Most Kentucky counties use the standard USDA income limit, but select metro areas—like the Cincinnati tri-state region—and Shelby County have higher limits due to local housing costs. If you’re close to the cap, we can quickly confirm which limit applies to your address and household size.
Check Your Kentucky USDA Eligibility
USDA loans offer 100% financing (no down payment) in eligible rural and suburban areas. To qualify, you’ll need to meet
income limits, credit and debt-to-income guidelines, and the home must be in a USDA-eligible location.
- Verify your county income limit (1–4 vs. 5+ household members)
- Confirm the home address is in a USDA-eligible area
- Get a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and can change annually. Final eligibility depends on household size, county, and program guidelines.
- NO down payment – Finance 100% of your home
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your Kentucky USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – Kentucky
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
