Kentucky First-Time Homebuyer Requirements 2026: Credit & DTI
If you are buying your first home in Kentucky, “getting approved” comes down to five things an underwriter actually measures: your credit score, your debt-to-income ratio, your down payment and cash to close, your income and job history, and the property itself. Everything else is detail.
Below is what each of those means in 2026 for the five loan programs Kentucky first-time buyers actually use — FHA, VA, USDA, Conventional, and Kentucky Housing Corporation (KHC) down payment assistance.
