2026 Eligibility Map For Kentucky USDA Rural Home Buyers


Check Your Property on the Kentucky USDA Rural Housing Map

If you’re shopping for a home in Kentucky and considering the USDA Rural Housing Guaranteed Loan Program, one of the most important steps is verifying whether the property is in an eligible area. Below is a quick walkthrough and link so you can check your address right now.

Check a Kentucky Property on the Official USDA Eligibility Map

Use the official USDA map below to check if a specific Kentucky address is located in an eligible area:

🔍 Check USDA Property Eligibility (Official USDA Map)

This tool allows you to enter a full address in Kentucky and determine whether that location falls within one of the eligible zones for USDA financing.

📍 Why Location Matters

  • The USDA program offers $0 down financing, but only for homes in qualified rural or suburban zones.
  • If the home is in a shaded or “ineligible” area on the map, you may still qualify for other loan programs like FHA Loan Program, VA Loan Program, or Kentucky Housing Corporation (KHC) down-payment assistance.
    • <liHomes just outside city limits often fall into an eligible zone — even when the downtown or urban core does not.

✅ Steps to Use the Map

  1. Click the map link above and wait for it to load.
  2. Select “Single Family Housing Guaranteed Loan Program” (if not already selected).
  3. Type in the full address, city, state, and ZIP of the property you’re considering.
  4. Look at the map result:
    • If the property is in the **unshaded area**, it is likely eligible for USDA financing.
      • <liIf the property falls in a **shaded (ineligible) zone**, the property cannot use USDA — but other loan programs may still apply.
  5. Save a screenshot or copy the result and send it to your lender (me!) so we can walk the rest of the process together.

Tip: If you click a point on the map or zoom out/in, you’ll often see eligibility boundaries distinctly—rural parcels, subdivision edges, and city edges matter.

📋 What to Do After Location Check

Once you know the property is in an eligible area, we’ll move to the next steps:

  • Confirm your **household income** meets the USDA limits for that county and household size.
  • Review your **credit score and debt ratios** against USDA or other qualifying programs.
  • Identify any **property requirements** tied to appraisals, condition, and primary residence status.
  • Compare USDA financing with alternatives — FHA, VA, Conventional, and KHC DPA — so you can choose the strongest path.

📞 Need Help?

Want me to check the map for you and walk you through whether a specific property qualifies? I’m here to help simplify it and get you closer to closing.

Call/Text: 502-905-3708
Email: kentuckyloan@gmail.com

Joel Lobb
Mortgage Loan Officer – USDA, FHA, VA, KHC & Conventional Specialist
NMLS #57916 | Company NMLS #1738461 | Equal Housing Lender

This is not a commitment to lend. All loans subject to credit approval, property eligibility and program rules.