Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky First Time Home Buyer Programs For Home M... : Kentucky first-time homebuyer programs KHC Regular Down Payment Assistance : Receive a loan of up to $6,000 and repay it over 10 years at ... How To Buy A Kentucky Home With No Money Down These loans are through a federal government-backed loan program. Eligible homebuyers in Kentucky can use the following loan programs without having to put money down. Kentucky USDA Home Loan A U.S. Department of Agriculture (USDA) home loan is also known as a Rural Housing Loan. While it typically applies to those who live in rural areas, the program is also available to low-to-moderate-income households in some less-populated suburban areas within or near major cities. With this loan, there is no down payment required and no set maximum home purchase price. Additionally, homeowners may have the option to include ho...