Down payment assistance · Fayette County
Buying a home in Lexington-Fayette, KY
9 statewide.Lexington-Fayette has no program 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.
What’s local to Lexington-Fayette
No program of Lexington-Fayette’s own yet
No program run for Lexington-Fayette or for Fayette County alone is listed. A home in Lexington-Fayette can use the Kentucky statewide and federal programs below.
The closest city that runs its own program is Lexington, about 4 miles away. City programs usually require the home to be inside that city’s limits.
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Lexington. See them 1 program in neighboring cities — for homes inside those cities, not Lexington-Fayette
- Lexington — Lexington Habitat for Humanity Homeownership Program
The Lexington-Fayette marketThe Lexington-Fayette housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lexington-Fayette
- 58.4% single-familysingle-family
- 6.5% townhousetownhouse
- 8.1% 2–4 units2–4 units
- 25.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lexington-Fayette’s homes were built
44.9%
of Lexington-Fayette 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.
13 of the 71 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-Fayette
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
Lexington-Fayette questions
Does Lexington-Fayette have its own down payment program?
No program run for Lexington-Fayette alone is listed. A home in Lexington-Fayette can use the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Lexington-Fayette?
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 Fayette County?
Each program sets its own. 13 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-Fayette?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Lexington-Fayette. Create a free account and take the 90-second match to see the ones near you.
Nearby in Fayette
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.