Kentucky Single Moms & Single Parents — FHA Home Loans Are More Accessible Than You Think
Buying a home on a single income can feel impossible — but FHA loans were built specifically to help everyday Kentucky families purchase a home with affordable terms and flexible guidelines.
Here’s why FHA is one of the best options in 2026 for single parents in Kentucky:
✅ 3.5% down with a 580+ credit score
✅ Child support & alimony count as income (with documentation)
✅ Higher DTI allowances for single-income households
✅ Employment gaps are OK with explanation (childcare, maternity leave, etc.)
✅ Co-signers allowed (parents, grandparents, adult children)
✅ Works with KHC Down Payment Assistance
✅ Seller can pay up to 6% of your closing costs
✅ Great for first-time homebuyers
Most single parents are shocked to learn they already meet the basic requirements — they just need guidance on how to structure the file.
