USDA Loans Kentucky: Get Approved with 580 Credit Score in 2025 By Joel Lobb, Kentucky Mortgage Expert | Published January 9, 2025 | Updated January 9, 2025 Think a 580 credit score means you can't buy a home in Kentucky? Think again. The USDA Rural Housing program offers a path to homeownership for Kentucky residents with credit scores as low as 580, providing 0% down payment financing and competitive interest rates that make the American dream accessible to more families. Kentucky's rural housing market presents unique opportunities for home buyers who might not qualify for conventional loans. With 120 counties eligible for USDA financing and over 1,300 Kentucky families already helped through this program, the USDA loan has become a cornerstone of affordable homeownership across the Bluegrass State. Unlike conventional loans that typically require credit scores of 620 or higher, USDA loans offer manual underwriting options that consider your complete financial picture, not just your credit score.
