Kentucky USDA Direct Loans are 100% financing mortgages available for low income applicants to purchase homes in rural areas. Unlike Guaranteed USDA Loans, Direct Loan applicants must have low or very low income to qualify in KY.

View All USDA Direct Loan Limits (low income only)
View USDA Direct Loan Income Limits
 
(low income only)
View All USDA Loan Limits (low or moderate income)
View All USDA Loan Income Limits 
(low or moderate income)
USDA Loan Programs
USDA Loan Requirements

Direct Loans are not as popular as USDA Guaranteed Loans, which accommodate a broader range of borrower qualifications. The USDA sets specific maximum loan limits for Direct Loans in KY. Search for maximum loan limits for your area below.

Kentucky USDA Direct Loan Limits

Area
Direct Loan Limit
Adair $140,400
Allen $140,400
Anderson $155,000
Ballard $147,000
Barren $140,400
Bath $140,400
Bell $140,400
Boone $165,000
Bourbon $155,000
Boyd $155,000
Boyle $155,000
Bracken $147,000
Breathitt $140,400
Breckinridge $140,400
Bullitt $147,000
Butler $140,400
Caldwell $140,400
Calloway $147,000
Campbell $165,000
Carlisle $140,400
Carroll $155,000
Carter $147,000
Casey $140,400
Christian $140,400
Clark $155,000
Clay $140,400
Clinton $140,400
Crittenden $140,400
Cumberland $140,400
Daviess $153,000
Edmonson $140,400
Elliott $147,000
Estill $155,000
Fleming $147,000
Floyd $147,000
Franklin $155,000
Fulton $140,400
Gallatin $155,000
Garrard $155,000
Grant $155,000
Graves $140,400
Grayson $140,400
Green $140,400
Greenup $147,000
Hancock $140,400
Hardin $147,000
Harlan $140,400
Harrison $155,000
Hart $140,400
Henderson $147,000
Henry $155,000
Hickman $140,400
Hopkins $140,400
Jackson $140,400
Jessamine $155,000
Johnson $147,000
Kenton $165,000
Knott $140,400
Knox $140,400
Larue $147,000
Laurel $140,400
Lawrence $147,000
Lee $140,400
Leslie $140,400
Letcher $140,400
Lewis $147,000
Lincoln $140,400
Livingston $140,400
Logan $140,400
Lyon $140,400
Madison $155,000
Magoffin $140,400
Marion $140,400
Marshall $147,000
Martin $147,000
Mason $147,000
McCracken $147,000
McCreary $140,400
McLean $140,400
Meade $147,000
Menifee $140,400
Mercer $155,000
Metcalfe $140,400
Monroe $140,400
Montgomery $140,400
Morgan $140,400
Muhlenberg $140,400
Nelson $147,000
Nicholas $147,000
Ohio $140,400
Oldham $165,000
Owen $155,000
Owsley $140,400
Pendleton $147,000
Perry $140,400
Pike $155,000
Powell $140,400
Pulaski $140,400
Robertson $147,000
Rockcastle $140,400
Rowan $147,000
Russell $140,400
Scott $165,000
Shelby $155,000
Simpson $140,400
Spencer $155,000
Taylor $140,400
Todd $140,400
Trigg $140,400
Trimble $155,000
Union $140,400
Warren $155,000
Washington $140,400
Wayne $140,400
Webster $140,400
Whitley $140,400
Wolfe $140,400
Woodford $155,000

More USDA Direct Loan Limits (Low Income)

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