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 |
|---|---|---|---|
| Up to $25,000 in down payment and closing costs assistance | Homebuyers who meet income requirements | Not specified | |
| 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 | |
| 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 | |
| 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 | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified | |
| Anderson | Up to $14,999 in down payment and closing costs assistance | Homebuyers who meet income requirements | Second mortgage | |
| Barren | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified | |
| Bourbon | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Clark | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Clark | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant | |
| Estill | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant | |
| Fayette | Up to $30,000 in down payment and closing costs assistance | Homebuyers who meet income requirements | Second mortgage | |
| Franklin | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Garrard | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Harrison | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Jefferson | Up to $6,000 in down payment assistance | Homebuyers who meet income requirements | Forgivable loan | |
| Jefferson | Up to $5,000 in down payment assistance | Homebuyers who meet income requirements | Grant | |
| Jessamine | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Madison | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Madison | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant | |
| Mercer | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Metcalfe | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified | |
| Monroe | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified | |
| Montgomery | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Powell | Down payment assistance - amount not specified | Homebuyers who meet income requirements | Grant | |
| Scott | Up to $14,999 in down payment assistance and closing costs | Homebuyers who meet income requirements | Second mortgage | |
| Warren | Up to $5,000 in down payment assistance ($7500 for vets and active duty) | Homebuyers who meet income requirements | Not specified | |
| Woodford | 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 | 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 | 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 - amount not specified | Homebuyers who meet income and credit score requirements | Partially forgivable second mortgage | |
| Middleton | 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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