Are you a first-time homebuyer in Kentucky? This comprehensive guide is your essential resource, offering specialized assistance programs and valuable information exclusively tailored for residents of the Bluegrass State. Explore a variety of programs, including down payment assistance and favorable mortgage options, designed to make homeownership more attainable. Start your exciting journey towards owning a home in Kentucky today.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| HOME Investment Partnerships (HOME) Program | Up to $25,000 in down payment and closing costs assistance | Homebuyers who meet income requirements | Not specified |
| KHC Loan Programs | Low to no down payment home loans | Any homebuyer who meets income limits, credit score, and other requirements depending on the home loan type | Loan |
| KHC Tax Credit (MCC) | Reduces up to $2,000 in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyer who meets income requirements | Tax credit |
| L&NFCU: Welcome Home Grant | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Grant |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Allen | Edmonton State Bank: Welcome Home | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified |
| Anderson | First KEY Program | Up to $14,999 in down payment and closing costs assistance | Homebuyers who meet income requirements | Second mortgage |
| Barren | Edmonton State Bank: Welcome Home | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified |
| Bourbon | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Clark | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Clark | KDFDC: Affordable Housing Program | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant |
| Estill | KDFDC: Affordable Housing Program | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant |
| Fayette | REACH HOME Program | Up to $30,000 in down payment and closing costs assistance | Homebuyers who meet income requirements | Second mortgage |
| Franklin | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Garrard | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Harrison | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Jefferson | Down Payment Plus Program | Up to $6,000 in down payment assistance | Homebuyers who meet income requirements | Forgivable loan |
| Jefferson | HOME Consortium Down Payment Assistance Program | Up to $5,000 in down payment assistance | Homebuyers who meet income requirements | Grant |
| Jessamine | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Madison | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Madison | KDFDC: Affordable Housing Program | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant |
| Mercer | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Metcalfe | Edmonton State Bank: Welcome Home | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified |
| Monroe | Edmonton State Bank: Welcome Home | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified |
| Montgomery | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Powell | KDFDC: Affordable Housing Program | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant |
| Scott | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
| Warren | Edmonton State Bank: Welcome Home | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified |
| Woodford | First KEY Program | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Covington | Covington Homebuyer Assistance Loans | Up to $5,000 in down payment assistance | Homebuyers who meet income and credit score requirements | Deferred, forgibale loan with a 0% interest rate |
| Hamilton | Neighborhood Housing Services of Hamilton: Grants-Down Payment/Closing Cost Assistance | Up to $5,000 in down payment assistance | Homebuyers who meet income requirements | Deferred, forgibale loan with a 0% interest rate |
| Louisville | Down Payment Assistance Program | Down payment assistance - amount not specified | Homebuyers who meet income and credit score requirements | Partially forgivable second mortgage |
| Middleton | Neighborhood Housing Services of Hamilton: Grants-Down Payment/Closing Cost Assistance | Up to $5,000 in down payment assistance | Homebuyers who meet income requirements | Deferred, forgibale loan with a 0% interest rate |
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