Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
24 days ago
Kentucky FHA Loan Requirements 2026: Credit Score & Down Payment
To qualify for a Kentucky FHA loan in 2026 you generally need a 580 credit score with 3.5% down (or 500–579 with 10% down), a two-year work history, a debt-to-income ratio your lender’s automated underwriting will approve, and a loan amount at or below $541,287 for a single-family home. The property has to be your primary residence and has to pass an FHA appraisal.
To qualify for a Kentucky FHA loan in 2026 you generally need a 580 credit score with 3.5% down (or 500–579 with 10% down), a two-year work history, a debt-to-income ratio your lender’s automated underwriting will approve, and a loan amount at or below $541,287 for a single-family home. The property has to be your primary residence and has to pass an FHA appraisal.
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