Kentucky Housing Loan

The Kentucky Housing Loan offers prospective and existing homeowners down payment assistance (DPA) on 30-year FHA, VA, and RD loans. 

Owner occupied, one unit, primary residence

Manufactured homes are allowed:

  • FHA and VA - new & existing properties
  • RD - new properties only

Condominiums are allowed

FHA, VA, and RD Programs:

  • $301,294 purchase price limit
  • Secondary market income limit-Applicant’s income only
  • 620 credit score
  • 40/50% max ratios

Down Payment Assistance Program up to $6,000

Down payment can come from seller paid closing costs, gift funds, borrower’s own funds, or additional down payment assistance programs

Subject to credit and underwriting approval.

Available in the German American Bank markets in Kentucky only.

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