VA Mortgage in Kentucky
2026 Kentucky VA home loan guide for veterans and active-duty buyers
Updated for 2026. If you are a veteran, active-duty service member, or eligible surviving spouse looking to buy a home in Kentucky, the VA loan program is still one of the most powerful mortgage options available.
This guide walks you through exactly how Kentucky VA mortgage qualifying really works in 2026 – including credit scores, income, debt-to-income (DTI) ratios, residual income requirements, entitlement and loan limits, plus real-world examples of how lenders underwrite VA loans in Kentucky today.
As a local mortgage broker focused on Kentucky FHA, VA, USDA, KHC and Fannie Mae loans, my role is to translate the rules and overlays into a clear plan so you can see what it takes to qualify, where you stand today, and what needs to happen next to get you into a home.
Why VA Loans Are So Powerful for Kentucky Buyers in 2026
$0 down payment in most cases – no minimum down when entitlement and income qualify.
No monthly mortgage insurance (PMI) – a big monthly savings vs. FHA or low-down conventional.
Flexible credit – VA itself does not set a minimum credit score; lender overlays do.
Competitive interest rates compared to many other loan types.
Reusable benefit – you can use your VA eligibility more than once.
Assumable loans – in some cases, another qualified buyer can assume your VA loan later.
When structured correctly, a VA loan can put you into a Kentucky home with no money d
