Kentucky USDA Loans: 502 Direct vs. Guaranteed — Which One Is Right for You?
If you’re looking to buy a home in rural Kentucky with no down payment, a USDA Rural Housing loan could be your best option. But there are two very different programs under the USDA umbrella — and choosing the wrong one could slow down your home purchase or leave money on the table.
In this guide, I’ll break down the USDA 502 Direct loan and the USDA Guaranteed loan side by side so you know exactly which program fits your situation — and how to get started today.
