Kentucky Mortgage USDA Loan Requirements What are the Kentucky USDA Mortgage Loan Requirements? To decide if you qualify for an USDA Mortgage Loan, we will look at: “Your income and your monthly expenses. Standard debt-to-income ratios are 29/41 for USDA Loans. These ratios may be exceeded with compensation factors. “Your credit history (this is important, but USDA”s credit standards are flexible). A FICO score of 620 or above is required for all loans “Your overall pattern rather than to individual problems you may have had. To be eligible for an USDA mortgage, your monthly housing costs (mortgage principal and interest,
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