Kentucky USDA Loan Property Eligibility Map – Check Any Address Online
USDA Rural Housing loans remain one of the best mortgage options for Kentucky homebuyers, offering 100 percent financing, flexible credit guidelines, and competitive fixed rates. However, the property itself must be located in a USDA-eligible area. This page shows you exactly how to check whether a Kentucky home qualifies using the official USDA eligibility map.
How USDA Property Eligibility Works in Kentucky
USDA eligibility is based on census-defined rural boundaries, not just county names or ZIP codes. In Kentucky, it is common for one subdivision to qualify while the next street does not. Because of this, the only accurate way to confirm eligibility is by checking the specific property address on the official USDA map.
- Eligibility is determined by exact property location
- County-wide assumptions are not reliable
- Boundaries can change over time
Check Kentucky USDA Property Eligibility
The USDA does not allow its eligibility map to be embedded directly on third-party websites. To check whether a Kentucky property qualifies, use the official USDA lookup tool by clicking the button below. This opens the government map in a new browser tab.
Click below to open the official USDA Rural Housing eligibility map
Check USDA Property EligibilityTip: Enter the full street address for the most accurate result.
How to Use the USDA Eligibility Map
- Accept the USDA disclaimer when prompted
- Select “Single Family Housing Guaranteed”
- Enter the complete property address
- Review the result showing eligible or ineligible
If the address is not recognized, which is common for new construction, eligibility can often still be determined by zooming into the parcel location or using a nearby address.
Common USDA-Eligible Areas in Kentucky
While large urban centers are excluded, much of Kentucky remains eligible for USDA financing, including many communities just outside major cities.
- Most rural counties throughout the state
- Outer areas of Bullitt, Hardin, Shelby, Nelson, Spencer, Henry, and Anderson counties
- Many smaller towns near Louisville, Lexington, and Northern Kentucky
Louisville (Jefferson County), Lexington (Fayette County), Bowling Green city limits, and many dense Northern Kentucky suburbs are generally ineligible.
USDA Loan Highlights for Kentucky Homebuyers
- 100 percent financing with no down payment
- 30-year fixed-rate mortgages only
- Lower monthly mortgage insurance compared to FHA
- Automated underwriting through USDA’s GUS system
- Income limits based on household size and county
- Primary residence only
What to Do After Checking the Map
Confirming property eligibility is only the first step. USDA approval also requires meeting income limits, credit guidelines, debt-to-income ratios, and property condition standards.
- Verify household income eligibility
- Review credit and payment history
- Compare USDA with FHA, VA, and KHC options
- Obtain a lender-issued pre-approval before making an offer
Get Help With a Kentucky USDA Loan
If you want help confirming eligibility or getting pre-approved for a USDA loan in Kentucky, contact:
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
NMLS 57916 | Company NMLS 1738461
Call or text: 502-905-3708
Email: kentuckyloan@gmail.com
Website: mylouisvillekentuckymortgage.com
Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, underwriting, and USDA guidelines.
Kentucky USDA Mortgage Lender for Rural Housing Loans 
************IMPORTANT NOTICE************
Due to construction, on Thursday, April 21st and Friday, April 22nd, the State Office will not have phone or internet access. Loans submitted during this time will be assigned to specialists, but State Office staff will not be available by phone or email. All inquiries during this time should be directed to:
John Wells
270-247-9525 X 238
John.Wells@KY.USDA.gov
*********************************************************
*Current Turn Times*
· For GUS Accepts -four business days from the day the loan is assigned.
· For GUS Accept Full Docs, GUS Refers, Manual and Refinances- six business days from the date assigned.
*Turn times also available on Facebook, so like us @ USDA Rural Development – Kentucky*
Please Note:
· If GUS is released on a previously submitted file, once the file is resubmitted, the turn time will reset from the most recent submission date.
Student Loans and their Impact in the Total Debt Ratio
Recent updates to the 3555 Handbook intended to simplify guidance for the delivery of the guaranteed loan program have caused some misperception in regards to total debt ratio calculations, specifically in the subject of student loans. The Agency is working on revisions to Chapter 11: Ratio Analysis; however, we want to further clarify the subject at this time.
Total debt includes monthly housing expenses plus any other credit obligations incurred by the applicant. Student loan payments must be included in the calculation of the total debt-to-income ratio and captured under liabilities on the application. Student loan payments should be treated as described below:
Fixed payment loans: A fixed payment may be used in the debt ratio when the lender retains documentation to verify the payment is fixed, the interest rate is fixed, and the repayment term is fixed. There must be no future adjustments to the terms of the student loan payments.
Non-Fixed payment loans: Payments for deferred loans, Income Based Repayment (IBR), Graduated, Adjustable, and other types of repayment agreements which are not fixed cannot be used in the total debt ratio calculation. One percent of the loan balance reflected on the credit report must be used as the monthly payment. No additional documentation is required.
This clarification is effective immediately. Questions regarding this announcement may be directed to the National Office Division at (202) 720-1452.
SERVICING TRAINING OPPORTUNITY:
7 CFR Part 3555 Final Rule & HB-1-3555 Revisions
On March 9, 2016 the final rule for 7 CFR Part 3555 and the revised technical handbook, HB-1-3555, went into effect for all conditional commitments issued by USDA. The USDA has prepared a presentation that will review the revisions to the 7 CFR Part 3555 final rule and HB-1-3555 with a focus on loan servicing. New changes will be listed followed by scenario based questions.
TRAINING INFORMATION:
The training presentation is on-demand and available 24 hours a day for your convenience!
Link to Adobe Connect Training: https://usdard.adobeconnect.com/p7eyvffb70k/?OWASP_CSRFTOKEN=264176ace9cfa2e31569f48d1c223e1a531bf19aa355ee132a812e8099d2119e
Training materials: Servicing Training Handout
The new HB-1-3555 (Appendix 1 is 7 CFR Part 3555) is published online at: http://www.rd.usda.gov/publications/regulations-guidelines/handbooks#hb13555.
The 7 CFR Part 3555 final rule is available online at: https://www.gpo.gov/fdsys/pkg/FR-2016-02-08/pdf/2016-01872.pdf.
Questions regarding this announcement may be directed to the National Office Division at (202) 720-1452.
Time Saving Tips for Uploading Documents in GUS
Use the Origination Stacking Order Checklist to determine what documents are required based on the GUS underwriting recommendation
Upload ONLY required documents
Upload only 3 attachments:
1. Upload all 7 pages of the executed 3555-21 with the ‘Request RHS Guarantee’ label
2. Upload the appraisal with the ‘Appraisal’ label
3. Upload all other documents as one attachment, in the order listed on the Stacking Order Checklist, with the ‘Underwriting’ label
Thank you for your support of the Single Family Housing Guaranteed Loan Program!
Kentucky Contacts
Turn Time Loan Status Line: 859-224-7320
Program Questions, Underwriting Questions, New Lender Setup and Training:
Darren.Foster@ky.usda.gov
John.Wells@ky.usda.gov
Questions on New Submissions and Loan Note Guarantee Requests:
Michele.Baldwin@ky.usda.gov
Elizabeth.Yancey@ky.udsa.gov
SFHGuaranteed@ky.usda.gov
Help Resources
USDA ITS Service Desk Support Center
For e-Authentication assistance
Email: eAuthHelpDesk@ftc.usda.gov
Phone: 800-457-3642, option 1 (USDA e-Authentication Issues)
Rural Development Help Desk
For GUS system, outage or functionality assistance
Email: RD.HD@STL.USDA.GOV
Phone: 800-457-3642, option 2 (USDA Applications); then option 2 (Rural Development)
http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu
USDA Kentucky Property Eligibility
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