What is a Kentucky Rural Housing USDA Loan? A USDA loan, also known as the USDA Rural Development Loan Program (United States Department of Agriculture), is a mortgage loan offered to low-and-moderate-income households in eligible rural areas. What are the Kentucky Rural Development Household Income Limits? USDA offers an Income Eligibility tool online. Presently, this tool requires the county where you wish to purchase or refinance, the number of people in your household and the monthly income you receive. The income listed in “Section 502 Guaranteed Rural Housing Loan Program” is used for lender qualification purposes. What are the USDA Eligible areas in Kentucky? USDA offers a Property Eligibility mapping tool online. You can use a “property address” or “city, state” to see the areas eligible for financing. What is the Minimum Credit Score for USDA Loans In Kentucky? USDA requires a middle score of at least 581, assuming an automated loan approval. You have three fico scores from Experian, Transunion and Equifax, and they take the middle score. Two trades for 12 months rated on credit report recommended. Most USDA lenders require a 620 to 640 score even though on paper USDA says they will go down to a 581 score.