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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 PrequalifiedMortgage Quick QuoteMortgage Calculators

This account pairs well with:

Smartest Home Equity Line of Credit$MART CheckingFinancial Education

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Financial Resources

Fraud Prevention
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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
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© 2026 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

© 2026 German American Bank . All rights Reserved

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