FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

HomePersonalMortgageBuy a HomeKentucky Housing Loan

Kentucky Housing Loan

Help with down payments on 30-year FHA, VA and rural development mortgages for current and future Kentucky homeowners.

For Kentucky homeowners from your Kentucky bank.

At German American Bank, we're committed to helping local homeowners like you achieve your goals. We offer the Kentucky Housing Loan to provide down payment assistance (DPA) on 30-year mortgage loans backed by the Federal Housing Authority (FHA), Veterans Administration (VA) and Rural Housing Service (RHS). 

Whether you're a current or future Kentucky homeowner,1 you may be eligible for the exclusive mortgage benefits this program offers.

Features & Benefits

  • Owner-occupied, one-unit, primary residence
  • Borrower must meet KHC's secondary market income limits
  • 620 credit score for FHA, VA and RD programs
  • Up to $10,000 in down payment assistance
  • No liquid asset review and no limit on borrower reserves
  • Specific credit underwriting standards may apply
  • Free prequalification

Ready to Get Started?

Apply NowGet PrequalifiedRun the Numbers

This account pairs well with:

Smartest Home Equity Line of Credit$MART CheckingFinancial Education

Related Products

More German American Bank products and services we think you'll like.

  • Fraud Awareness

    Fraudsters are out there. The best way to protect your personal data when you bank online is education and awareness. Take these steps today.

    Learn More - Fraud Awareness

  • School Spirit Card

    Show your school spirit with the Visa® School Spirit Check Card, free with any checking account. We'll donate to your school of choice with every purchase.

    Learn More - School Spirit Card

  • Smartest Home Equity

    Make the most of your home equity with a Smartest Home Equity Line of Credit. The smart way to use a big investment to finance a big project.

    Learn More - Smartest Home Equity

Financial Resources

Fraud Prevention
Calculators
FAQs
Video Library

Access to security tools, CD calculators and more at your fingertips. View Resources

Subject to credit and underwriting approval. Qualifications and stipulations apply. Ask for complete details.

Available in the German American Bank markets in Kentucky only.

  • Scan the QR code with your phone's camera to instantly download our mobile app, or use the links below to install the app to your device.
  • App Store
Equal Housing Lender
FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2025 German American Bank . All rights Reserved

Routing Number #:
083904563
Call Us
(812) 482-1314 or (800) 482-1314
Bankline 24
(800) 536-0660
Treasury Support
(800) 482-1314, ext 2500
Equal Housing Lender FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2025 German American Bank . All rights Reserved

Our website uses cookies to improve your website experience and provide more personalized products and services to you. By using our website, you agree to the use of cookies.