VA Loans in Kentucky

Kentucky's homestead exemption covers both seniors and homeowners who are totally disabled, including veterans with a total service-connected disability. The federal VA loan benefit is the same in every state: eligible buyers can buy with no down payment and competitive rates.

Kentucky benefits for veterans

Property tax relief for veterans

Veterans with a total service-connected disability rating from the VA may qualify for the homestead exemption, which reduces the assessed value of the home before taxes are calculated.

Unlike other disabled homeowners, veterans with a service-connected disability generally don't have to reapply every year once approved.

How to apply: Apply through the property valuation administrator in the county where the home is located.

VA loan basics

The essentials that apply in Kentucky and every other state.

VA Loan Requirements & EligibilityThe benefit is earned through service. You'll need a Certificate of Eligibility, a home you'll live in, and a loan that fits your budget.Read more VA Loan BenefitsBuy with no down payment and competitive rates, with no prepayment penalty and a benefit you can use again.Read more VA Loan Costs & FeesThe main VA-specific cost is a one-time funding fee. Many borrowers are exempt, and it can often be rolled into the loan.Read more Types of VA LoansUse the benefit to buy a home, lower the rate on a current VA loan, or turn home equity into cash.Read more

Read the full VA loan guide · Choose a different state

Talk to a loan officer

Questions about VA loans in Kentucky?

A Fidelity loan officer can talk through your eligibility and options one-on-one.

This page is for informational purposes only and is not a commitment to lend or an offer of credit. Program availability, terms and eligibility vary and are subject to change. Fidelity Funding Bancorp is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. Chu & Associates, Inc. DBA Fidelity Funding Bancorp. NMLS ID# 1076900. All loans are subject to credit approval, underwriting guidelines and property eligibility. Not available in all states.