Northern Kentucky HOME Consortium Homebuyer Assistance Program
Forgivable loan · Forgiven over 10 yrs · Income limits
Down payment assistance · Kenton County
Buying a home in Independence, KY
1 county program and 9 statewide.Independence has no program of its own, 1 across Kenton County, 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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What’s local to Independence
No program of Independence’s own yet
No program run for Independence alone is listed. A home in Independence can use Kenton County’s programs below, plus the Kentucky statewide and federal ones.
The closest city that runs its own program is Covington, about 10 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in KentonAnywhere in Kenton County
1 county program1 county program a Independence homebuyer can use
1 more program is for homes in Covington. See them 1 program in neighboring cities — for homes inside those cities, not Independence
- Covington — Homebuyer Assistance Program
The Independence marketThe Independence housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Independence
- 85.1% single-familysingle-family
- 3.1% townhousetownhouse
- 1.7% 2–4 units2–4 units
- 9.4% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
About condos. Independence’s one local program does not list condos as eligible. Northern Kentucky HOME Consortium Homebuyer Assistance Program lists single family, 2-4 unit and manufactured.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Independence’s homes were built
pre-19401970s2020+
26.3%
of Independence 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.
$109,900
County area median income, 4 people (HUD)HUD area median income, Kenton County, 4-person household (2026)
$102,361
Independence median household incomeMedian household income in Independence (Census, 2024)
14 of the 72 programs here set their income limit as a share of Kenton County’s area median income, adjusted for household size. See the published limits for Kenton County
Free help nearbyFree help near Independence
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
Independence’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Northern Kentucky HOME Consortium Homebuyer Assistance 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
Independence questions
Does Independence have its own down payment program?
No program run for Independence alone is listed. A home in Independence can use the 1 program that cover Kenton County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Independence?
Independence’s one local program does not list condos as eligible. Northern Kentucky HOME Consortium Homebuyer Assistance Program lists single family, 2-4 unit and manufactured. 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 Kenton County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Kenton 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 Independence?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Independence. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
41051
Nearby in Kenton
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.