The average VA IRRRL loan amount for Kentucky in 2025 was $298,703, according to figures provided by the VA Home Loans Index.
For comparison, Kentucky’s average VA IRRRL loan amount in 2024 was $283,658.
The VA assists service members, veterans and eligible surviving spouses to achieve homeownership through loans provided by banks and mortgage companies.
A portion of the loan is guaranteed by the VA, which allows the lender to provide better rates.
Several VA housing programs can help eligible individuals buy, build, or repair their homes. These include Purchase Loans, Interest Rate Reduction Refinance Loans (IRRRL), and Adapted Housing Grants, which are designed for veterans with service-connected disabilities.
Information in this article was obtained from the U.S. Department of Veterans Affairs (VA). The source data can be found here.
