Many prospective Kentucky homebuyers delay purchasing because they believe a 20% down payment is required.
That assumption is often incorrect.
Qualified buyers may have access to:
• 100% financing through USDA in eligible rural areas
• 100% financing for eligible Veterans
• FHA financing starting at 3.5% down
• Kentucky Housing down payment assistance programs
The key variable is structure — income, credit profile, debt-to-income ratio, and geographic eligibility all matter.
If you’re evaluating a home purchase in Kentucky this year, I’m happy to provide a straightforward qualification review and payment analysis.
