Deferred second loan
City of Henderson First Time Homebuyer Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Henderson County
Buying a home in Henderson, KY
2 Henderson programs and 9 statewide.Henderson has 2 programs of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Henderson’s own programs
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Habitat for Humanity of Henderson Home Partnership Program
First-time homebuyers · New construction · Income limits · Single Family
The Henderson marketThe Henderson housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Henderson
- 58.8% single-familysingle-family
- 2.5% townhousetownhouse
- 13.5% 2–4 units2–4 units
- 18% 5+ unitscondo & apartment buildings (5+ units)
- 7.2% mobile & othermobile home & other
About condos. None of Henderson’s 2 local and county programs list condos as eligible. City of Henderson First Time Homebuyer Program lists single family. Habitat for Humanity of Henderson Home Partnership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Henderson’s homes were built
pre-19401970s2020+
60.5%
of Henderson homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$79,700
County area median income, 4 people (HUD)HUD area median income, Henderson County, 4-person household (2026)
$48,186
Henderson median household incomeMedian household income in Henderson (Census, 2024)
14 of the 73 programs here set their income limit as a share of Henderson County’s area median income, adjusted for household size. See the published limits for Henderson County
Free help nearbyFree help near Henderson
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Henderson’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Henderson Home Partnership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Kentucky and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Henderson questions
Does Henderson have its own down payment program?
Yes, 2: City of Henderson First Time Homebuyer Program and Habitat for Humanity of Henderson Home Partnership Program. Each is for homes inside Henderson.
Can I use assistance on a condo in Henderson?
None of Henderson’s 2 local and county programs list condos as eligible. City of Henderson First Time Homebuyer Program lists single family. Habitat for Humanity of Henderson Home Partnership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Henderson County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Henderson 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 Henderson?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Henderson. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
42419 · 42420
Nearby in Henderson
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, 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). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.