No Money Down Mortgage Programs for Kentucky Buyers

100% Financing and Zero Down Payment: Kentucky Mortgage Loans for First-Time Homebuyers

Kentucky Homebuyer Guide: Best Loan Choices

https://kentuckyfirsttimehomebuyer.com/2025/04/07/top-home-loan-options-for-kentucky-buyers/?page_id=8877 FeatureUSDAVAFHAConventionalMax Financing100%100%96.5%97%Finance Closing CostsYesNoNoNoOne-Time Upfront FeeGuarantee Fee 1.0%VA Funding Fee 0–3.6%Upfront MIP 1.75%VariesMonthly Mortgage Insurance0.35%None0.85%VariesBankruptcy Waiting Period3 Years2 Years2 Years4 YearsForeclosure Waiting Period3 Years2 Years3 Years7 YearsShort Sale Waiting Period3 Years2 Years3 Years4 YearsSeller ConcessionsUp to 6%4% toward prepaids & costs (no cap on total closing costs)Up to 6%3% (<10% down)6% (≥10% down)2% (investor … Continue reading Kentucky Homebuyer Guide: Best Loan Choices