First mortgage
Lexington Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family · Townhouse
Down payment assistance · Fayette County
Buying a home in Lexington, KY
2 Lexington programs and 9 statewide.Lexington has 2 programs of its own, and 9 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Lexington addresses
Lexington’s own programs
Forgivable loan
REACH HOME Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, half of duplex (one side owner-occupied), manufactured home on permanent foundation, and new construction - all per HUD HOME property type rules.
Income limits in Fayette County
How programs here set their income limits
$102,100
County area median income, 4 people (HUD)HUD area median income, Fayette County, 4-person household (2026)
15 of the 73 programs here set their income limit as a share of Fayette County’s area median income, adjusted for household size. See the published limits for Fayette County
Free help nearbyFree help near Lexington
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Lexington questions
Does Lexington have its own down payment program?
Yes, 2: Lexington Habitat for Humanity Homeownership Program and REACH HOME Program. Each is for homes inside Lexington.
Can I use assistance on a condo in Lexington?
1 of Lexington’s 2 local and county programs accept condos. Lexington Habitat for Humanity Homeownership Program lists single family and townhouse. 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 Fayette County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Fayette 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 Lexington?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Lexington. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
40502 · 40503 · 40504 · 40505 · 40506 · 40507 · 40508 · 40509 · 40510 · 40511 · 40512 · 40513 · 40514 · 40515 · 40516 · 40517 · 40522 · 40523 · 40524 · 40526 · 40533 · 40536 · 40544 · 40546 · 40550 · 40555 · 40574 · 40575 · 40576 · 40577 · 40578 · 40579 · 40580 · 40581 · 40582 · 40583 · 40584 · 40585 · 40586 · 40587 · 40588 · 40589 · 40590 · 40591 · 40592 · 40593 · 40594 · 40595 · 40596
Nearby in Fayette
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.