Kentucky Housing Mortgage Rates


Interest Rates.

Kentucky Housing Mortgage Rates 

MRB Special Funding 

Limited Availabilty 

Interest Rate:  2.50% without Down Payment Assistance

                      3.00% with Down Payment Assistance

  • $35,000 Household Income Limit
  • First time home buyer, unless property located in targeted county
  • Existing or new construction property — purchase price limit $115,000
  • Regular and Affordable DAP available
  • FHA, VA or RHS first mortgage programs through MRB Funding
  • 640 credit score
  • Borrower must demonstrate a need for the special funding.  The borrower’s housing ratio must be at a minimum of 25%.
  • Maximum ratios of 40/45% with AUS approval.
  • All household occupants (18 yrs and older) with income must be included on loan and be credit ready.

Secondary Market Interest Rates — 45-Day Lock

Loan Type

Rate without Down Payment Assistance

Rate with Down Payment Assistance

FHA, VA & RHS

  • 640 credit score
  • AUS approval
  • Purchases & Refinances

4.000%

 4.500%

Conventional

  • 680 credit score
  • No MI required
  • LTV 80.01% -97.00%
  • *DU AUS approval
  • Purchases

5.125%

5.500%

Mortgage Revenue Bond Interest Rates — 45-Day Lock

Loan Type

Rate without Down Payment Assistance

Rate with Down Payment Assistance

FHA, VA & RHS

  • 640 credit score
  • AUS approval
  • Purchases

4.000%

 4.500

Conventional

  • 680 credit score
  • No MI required
  • LTV 80.01% -97.00%
  • *DU AUS approval
  • Purchases

5.125%

5.500%

Kentucky Housing Mortgage Rates

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