Down payment assistance · Kentucky

Buying a home in Kentucky

32 programs: 9 statewide, the rest run by counties and 6 cities. What you can use depends on where the home is.32 programs across Kentucky: 9 statewide, the rest run by counties and 6 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Jefferson	3	$248,400	$99,000	See Jefferson
Daviess	2	$199,900	$92,100	See Daviess
Henderson	2	$171,900	$79,700	See Henderson
Kenton	2	$244,400	$109,900	See Kenton
All 120 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.

Anywhere in Kentucky

9 statewide programs

Up to $10,000

Welcome Home Program (FHLB Cincinnati)

Assistance grant · Forgiven over 5 yrs · Income limits

See details

Up to $6,000

KHC Affordable Down Payment Assistance Program (Affordable DAP)

Repayable second loan · New construction · Income limits

See details

Assistance

Community Ventures Rural Homeownership Assistance Program (RHAP)

Repayable second loan · Income limits

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

24 HUD-approved counseling agencies in Kentucky24 HUD-approved housing counseling agencies in Kentucky

2 of the 9 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.2 of the 9 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Income limitsIncome limits and price caps in KentuckyArea median income for all 120 counties, and the limit each program sets.See the limits

Kentucky questions

What is Welcome Home Program (FHLB Cincinnati)?

Welcome Home Program (FHLB Cincinnati), a assistance grant (forgiven over 5 yrs, income limits), open anywhere in Kentucky and run by Federal Home Loan Bank of Cincinnati. Its page has the details and a link to the official site.

Which Kentucky counties run their own programs?

13 counties of 120 have a county or city program listed, among them Jefferson, Daviess, Henderson and Kenton. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Kentucky?

Many programs ask for one. 2 of the 9 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Kentucky condo?

6 of the 9 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.

6 Kentucky cities with their own program