The Kentucky Guaranteed Rural Housing (GRH) Loan Program

The Kentucky Guaranteed Rural Housing (GRH) Loan Program is designed to assist households in obtaining adequate but modest, decent, safe and sanitary dwellings and related facilities for their own use in rural areas. Loans are limited to applicants with incomes that do not exceed state and local Rural Development (RD) median income limits and property that is designated as rural by Rural Development.


Kentucky USDA Loan Benefits


  • No Down Payment Required. Borrowers can finance up to 100% of the appraised home value or a borrower can have a gift or grant go toward a down payment with no money out of pocket.
  • Competitive 30 year fixed interest rates.
  • Flexible credit guidelines.
  • No maximum purchase limit. The USDA Rural Development program has no maximum purchase price limit.

Who Is Eligible?


Individuals or families who plan to occupy a home located in an eligible rural area as their primary residence may qualify for a USDA Rural Development home loan.


An applicant for the KentuckyUSDA mortgage guarantee loan must provide sufficient income verification and a credit history that indicates an ability and willingness to meet repayment obligations.


An individual or family must show proper legal capacity to own property in the U.S.A., own no home or dwelling currently, and have insufficient resources to qualify for a conventional home mortgage.







Kentucky USDA and Rural Housing Apply below by clicking link.

Equal Opportunity Lender

NMLS# 57916





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15 thoughts on “The Kentucky Guaranteed Rural Housing (GRH) Loan Program

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