Down payment assistance · Jefferson County
Buying a home in Fern Creek, KY
9 statewide.Fern Creek has no program of its own, and 9 statewide. Here is what each one offers, and who near you can walk you through it.
What’s local to Fern Creek
No program of Fern Creek’s own yet
No program run for Fern Creek or for Jefferson County alone is listed. A home in Fern Creek can use the Kentucky statewide and federal programs below.
The closest city that runs its own program is Louisville, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Neighboring cities
3 programs for homes in nearby cities
3 more programs are for homes in Louisville. See them 3 programs in neighboring cities — for homes inside those cities, not Fern Creek
- Louisville — Develop Louisville Down Payment Assistance Program
- Louisville — Habitat for Humanity of Metro Louisville Homeownership Program
- Louisville — REBOUND, Inc. - Affordable Homeownership Program
Income limits in Jefferson County
How programs here set their income limits
13 of the 71 programs here set their income limit as a share of Jefferson County’s area median income, adjusted for household size. See the published limits for Jefferson County
Free help nearbyFree help near Fern Creek
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Kentucky and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Fern Creek questions
Does Fern Creek have its own down payment program?
No program run for Fern Creek alone is listed. A home in Fern Creek can use the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Fern Creek?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Jefferson County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Jefferson County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Fern Creek?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Fern Creek. Create a free account and take the 90-second match to see the ones near you.
Nearby in Jefferson
Sources
Sources: agency sites (June–July 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.