Kentucky VA Home Loan Limits

Located in the Upland South, Kentucky has a culture rooted in Appalachian folklore, kindness, and hospitality. Nicknamed the Bluegrass State, Kentucky bluegrass grows out of numerous pastures found in the state because of how fertile the soil is. This calcium-rich soil led Kentucky to the forefront of American farming history. In 1799 the state became the home of the first commercial winery in the United States. The bluegrass area of the state was once considered the horse breeding capital of the country. Today, the state is fifth in goat farming, 8^th in beef production and 14^th in corn production. Coal is also produced in abundance, not surprising considering the sheer volume of natural resources that the state produces.

Officially named the Commonwealth of Kentucky, the state is only one of four to be designated as a commonwealth. Originally occupied by various indigenous tribes, human occupancy of the state is estimated to date back at least to 1,000 BC. Prior to statehood, Kentucky had been part of Virginia. The state was admitted to the union in 1792 as the 15^th state. The two most well-known cities found in Kentucky are Louisville and Lexington. Kentucky is bordered by three major rivers, and also has numerous man-made and natural lakes that make it a paradise for boaters and outdoor lovers. Home to the greatest number of turkey and deer per capita and the largest free-ranging elk herd on the eastern side of the Mississippi River, hunters consider Kentucky a prime area. Known for its bourbon distilleries, music, collegiate athletics and barbecue the state has something for everyone.

Kentucky is the location for two major army bases—Fort Campbell and Fort Knox. Fort Campbell is home of the 101^st Airborne Division, and the base also spans into neighboring Tennessee. Fort Knox is one of the largest U.S. military bases and is operated by both the Marines and the U.S. Army. In 2010, the Army Human Resource Center of Excellence opened in Kentucky and it employee’s number almost 4,300 people, including soldiers and civilians.

Kentucky boasts a veteran population of more than 342,000, making it a great place for veterans, and current service members to reside. For active-duty and veterans planning to purchase a home in the state using a VA-loan, it’s important to remember a termite inspection is required, and the purchase of manufactured homes using a VA loan is not permitted in the state.

The average home cost in Kentucky is $125,100. In the past twelve months, home appreciation has been 0.50 percent. Disabled service members in Kentucky, who own property, are entitled to a tax exemption of up to $36,000 if the former military member is 100 percent disabled as a result of their service.

VA Home Loan Limits for Kentucky:

NOTE: The following is for information purposes only.

To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 888-573-4496 or fill out the VA Home Loan Application located here.

The loan limits below are the maximum 2021, $0 down VA loan amount set for each county. Although there is no maximum loan amount, the maximum no money down VA home loan limits are stated as follows.

Adair County $548,250
Allen County $548,250
Anderson County $548,250
Ballard County $548,250
Barren County $548,250
Bath County $548,250
Bell County $548,250
Boone County $548,250
Bourbon County $548,250
Boyd County $548,250
Boyle County $548,250
Bracken County $548,250
Breathitt County $548,250
Breckinridge County $548,250
Bullit County $548,250
Butler County $548,250
Caldwell County $548,250
Calloway County $548,250
Campbell County $548,250
Carlisle County $548,250
Carroll County $548,250
Carter County $548,250
Casey County $548,250
Christian County $548,250
Clark County $548,250
Clay County $548,250
Clinton County $548,250
Crittenden County $548,250
Cumberland County $548,250
Daviess County $548,250
Edmonson County $548,250
Elliot County $548,250
Estill County $548,250
Fayette County $548,250
Fleming County $548,250
Floyd County $548,250
Franklin County $548,250
Fulton County $548,250
Gallatin County $548,250
Garrard County $548,250
Grant County $548,250
Graves County $548,250
Grayson County $548,250
Green County $548,250
Greenup County $548,250
Hancock County $548,250
Hardin County $548,250
Harlan County $548,250
Harrison County $548,250
Hart County $548,250
Henderson County $548,250
Henry County $548,250
Hickman County $548,250
Hopkins County $548,250
Jackson County $548,250
Jefferson County $548,250
Jessamine County $548,250
Johnson County $548,250
Kenton County $548,250
Knott County $548,250
Knox County $548,250
Larue County $548,250
Laurel County $548,250
Lawrence County $548,250
Lee County $548,250
Leslie County $548,250
Letcher County $548,250
Lewis County $548,250
Lincoln County $548,250
Livingston County $548,250
Logan County $548,250
Lyon County $548,250
Madison County $548,250
Magoffin County $548,250
Marion County $548,250
Marshall County $548,250
Martin County $548,250
Mason County $548,250
Mccracken County $548,250
Mccreary County $548,250
Mclean County $548,250
Meade County $548,250
Menifee County $548,250
Mercer County $548,250
Metcalfe County $548,250
Monroe County $548,250
Montgomery County $548,250
Morgan County $548,250
Muhlenberg County $548,250
Nelson County $548,250
Nicholas County $548,250
Ohio County $548,250
Oldham County $548,250
Owen County $548,250
Owsley County $548,250
Pendleton County $548,250
Perry County $548,250
Pike County $548,250
Powell County $548,250
Pulaski County $548,250
Robertson County $548,250
Rockcastle County $548,250
Rowan County $548,250
Russell County $548,250
Scott County $548,250
Shelby County $548,250
Simpson County $548,250
Spencer County $548,250
Taylor County $548,250
Todd County $548,250
Trigg County $548,250
Trimble County $548,250
Union County $548,250
Warren County $548,250
Washington County $548,250
Wayne County $548,250
Webster County $548,250
Whitley County $548,250
Wolfe County $548,250
Woodford County $548,250

VA Home Loan Limits for Kentucky:

Let us help you...