Can You Buy A House After Bankruptcy in Kentucky?
Can You Buy a House After Bankruptcy in Kentucky? (Updated 2026 Guide)
Yes — you can buy a home after a bankruptcy in Kentucky. The key is understanding the timelines for each loan program, rebuilding your credit, and showing stable financial behavior after your discharge or dismissal.
Below is the 2026 Kentucky-specific guide to FHA, VA, USDA, and Conventional loans after Chapter 7 or Chapter 13 bankruptcy.
How Soon Can You Buy a Home After Bankruptcy?
Your waiting period depends on:
The type of bankruptcy (Chapter 7 or Chapter 13)
The loan program (FHA, VA, USDA, Conventional)
Whether the bankruptcy is discharged or dismissed
Your new credit history and debt management
Most Kentucky homebuyers qualify again between 1–4 years after bankruptcy.
2025 Waiting Periods After Chapter 7 Bankruptcy
Loan Type Waiting Period After Chapter 7 Discharge
FHA 2 years from the discharge date
VA 2 years from the discharge date
USDA Rural Housing 3 years from the discharge date
Conventional (Fannie Mae/Freddie Mac) 4 years from the discharge date
Tip: If your Chapter 7 bankruptcy included a home foreclosure, that may extend your waiting period depending on the loan program. Let me review your full history so I can tell you exactly where you stand.
2026 Waiting Periods After Chapter 13 Bankruptcy
Loan Type Waiting Period After Chapter 13
FHA 1 year of on-time plan payments with Trustee approval — OR 2 years after discharge
VA 1 year of pla
