Kentucky first-time home buyer programs
Kentucky Housing Corporation lists 1 program that help buyers in Kentucky with the down payment or closing costs. Amounts and terms are shown as the agency publishes them.
- Programs from the agency
- 1
- Biggest amount listed
- $12,500
- First-time buyers only
- None of them
- Income caps
- Up to $192,325
Down payment assistance programs in Kentucky
| Program | Amount | Grant or loan | Income limit | First-time buyers only |
|---|---|---|---|---|
| Down Payment Assistance (DPA). With a KHC first mortgage that meets KHC's purchase price and income limits; credit score 620+; price limit $566,354. | Up to $12,500 | Repayable loan: A second loan you repay to KHC each month over 15 years. KHC shares the interest rate only with its approved lenders, so ask one. | Varies by program and county; most common program $152,775 to $192,325. | No |
Usually, "first-time buyers only" means you haven't owned a home during the past three years, though every program sets a rule of its own. The name of each program links to a Kentucky Housing Corporation page that says whether applications are open right now. The agency also maintains its own list of participating lenders. Compare down payment assistance programs across all states, or ask a lender that works with Kentucky's programs.
How do you repay Kentucky's programs?
- Repayable loan: a small second mortgage you pay back monthly, usually along with your first mortgage payment.
How does your income compare with Kentucky's caps?
Every program has its own income cap, which the table shows, and the exact chart is on that program's agency page. Use the HUD income limits lookup (FY2026) to find the figure for your county and household size. If a program relies on its own county chart or Freddie Mac's, the result can differ from HUD's number, and the agency's chart decides.
| HUD area | Median family income | HUD low-income limit |
|---|---|---|
| Cincinnati | $109,900 | $87,900 |
| Lexington-Fayette | $102,100 | $81,700 |
| Louisville | $99,000 | $79,200 |
| Clarksville | $93,800 | $75,050 |
| Owensboro | $92,100 | $73,700 |
Talk to a lender that works with Kentucky programs
These programs are paid out through the agency's approved lenders, so the lender is your next step. Tell us where you're buying and a lender that works with Kentucky's programs can explain which ones fit you.
Rather not call? Send your details and the lender will reach you.
Are you buying near a state border?
Illinois, Indiana, Missouri, Ohio, Tennessee, Virginia, West Virginia or programs for all 50 states plus DC.