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Important: These are informational listings only, not recommendations. We do not guarantee that these programs exist, are currently available, or will produce any particular outcome. Program details, eligibility requirements, and funding availability change frequently. Always verify directly with program administrators before making any decisions.

Kentucky Housing Programs

Discover programs that can help you buy your first home. Down payment assistance, grants, and affordable loan options.

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Type:

First-time buyers only 8 programs found

Down Payment AssistanceUp to $10,000

KHC Down Payment Assistance

Kentucky Housing Corporation

Assistance for down payment and closing costs for qualifying first-time homebuyers.

First-time buyer 620+ credit Under $80k income

✓ Up to $10,000 in assistance
✓ Can be combined with other programs

Loan Program100% Financing

USDA Rural Development Loan

USDA

Zero down payment loans for homes in eligible rural areas of Kentucky.

640+ credit Under $92k income

✓ No down payment required
✓ Competitive interest rates

Loan Program3.5% Down Payment

FHA Loan

Federal Housing Administration

Government-backed loans with lower down payment and credit requirements.

580+ credit

✓ Only 3.5% down payment
✓ Lower credit score accepted

Loan Program100% Financing

VA Home Loan

Department of Veterans Affairs

Zero down payment loans for veterans, active military, and eligible spouses.

620+ credit Veterans only

✓ No down payment
✓ No private mortgage insurance

GrantUp to $20,000

Welcome Home Grant

Federal Home Loan Bank of Cincinnati

Grant for down payment and closing costs. Up to $25,000 for veterans. Does not need to be repaid.

620+ credit Under $72k income

✓ Does not need to be repaid
✓ Up to $25,000 for veterans

Homeownership ProgramAffordable Mortgage

Habitat for Humanity Kentucky

Habitat for Humanity

Partner with Habitat to build or renovate affordable homes with sweat equity.

Under $60k income

✓ 0% interest mortgage
✓ Build equity through sweat equity

Down Payment AssistanceUp to $7,500

KHC Affordable DAP

Kentucky Housing Corporation

Low-interest assistance for lower-income buyers. 1% interest rate, 10-year term.

First-time buyer 620+ credit Under $65k income

✓ Only 1% interest rate
✓ 10-year repayment term

Loan Program3% Down Payment

Conventional 97 Loan

Fannie Mae / Freddie Mac

Conventional loan option with just 3% down for first-time buyers.

First-time buyer 680+ credit

✓ Only 3% down payment
✓ PMI can be removed at 20% equity

Not sure which programs you qualify for?

Take our 2-minute eligibility quiz to find programs matched to your situation.