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Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
Mortgage Lender in Louisville
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4.9
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(502) 905-3708
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Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
Call
(502) 905-3708
Call now
Contact us
Directions
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
4 days ago
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Kentucky Minimum Credit Scores by Loan Program (2026)
Loan Program Minimum Credit Score Down Payment
FHA 580 (500–579 possible) 3.5% (10% if score is 500–579)
VA No official minimum; most lenders 580+ $0 down
USDA / Rural Housing 640 for automated (GUS) approval; below 640 needs manual underwrite $0 down
Conventional (Fannie Mae / Freddie Mac) 620 3–5% minimum
KHC Down Payment Assistance 620 Up to $12,500 assistance
Program guidelines current as of August 2026. Individual lender overlays can require higher scores — these are the standard agency minimums we work with.
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