Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
7 days ago
What credit score do you need to buy a house in Kentucky in 2026?
Most Kentucky buyers need a 580 credit score for an FHA loan with 3.5% down. Conventional loans and KHC down payment assistance require 620. VA has no official minimum (most lenders want 580+), and USDA loans need 640 for automated approval — though lower scores can still qualify through manual underwriting with compensating factors
Most Kentucky buyers need a 580 credit score for an FHA loan with 3.5% down. Conventional loans and KHC down payment assistance require 620. VA has no official minimum (most lenders want 580+), and USDA loans need 640 for automated approval — though lower scores can still qualify through manual underwriting with compensating factors
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