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Home › Find a Lender › Kentucky
Kentucky · vetted specialists

Construction loan lenders in Kentucky

Local and national specialists financing new-home and owner-builder construction across Kentucky — with cost-to-build context to size your loan.

Quick answer

Construction loan lenders in Kentucky offer one-time close, two-time close, owner-builder, and FHA/VA/USDA programs. Conventional builds typically need 20–25% down; FHA can be 3.5% and VA/USDA 0% for eligible borrowers. Get matched free to compare specialists serving Kentucky.

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Kentucky directory

Lenders serving Kentucky

US Bank ✓ Verified

📍 All 50 states
One-Time CloseOwner-Builder2nd Mortgage / HELOCLand

Specializing on Construction to Perm Financing for Owner Occupied, Second Homes, ADU and Barndominium Properties. Will do OWNER BUILDER on case by case basis. Lot Financing Available. LENDING IN ALL 50 STATES!!!

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Abound Credit Union

📍 KY
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Field & Main Bank

📍 KY
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Liberty Federal Credit Union

📍 KY
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Stock Yards Bank & Trust

📍 KY
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Construction loans in Kentucky — FAQ

What down payment do Kentucky construction lenders require?
Conventional construction loans in Kentucky typically need 20–25% down; FHA one-time close can be 3.5%, and eligible VA and USDA borrowers may put 0% down.
Can I get an owner-builder construction loan in Kentucky?
Yes — some lenders serving Kentucky offer owner-builder programs, though approval is stricter than with a licensed general contractor. Get matched to compare them.
How do I compare construction loan lenders in Kentucky?
Compare the loan programs each lender actually originates (one-time close, two-time close, owner-builder, FHA/VA/USDA), their minimum loan amounts, and their true service area — or get matched free with specialists serving Kentucky.

Nearby: Indiana · Ohio · West Virginia · Virginia · Tennessee · Missouri · Illinois

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