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Down payment assistance income limits in Kentucky

33 down payment assistance programs in Kentucky publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Kentucky county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Kentucky
CountyPublished4-person median
Adair2026$71,700
Allen2026$80,800
Anderson2026$96,300
Ballard2026$94,500
Barren2026$68,000
Bath2026$72,900
Bell2026$49,700
Boone2026$109,900
Bourbon2026$102,100
Boyd2026$83,300
Boyle2026$80,700
Bracken2026$109,900
Breathitt2026$54,300
Breckinridge2026$74,100
Bullitt2026$99,000
Butler2026$75,200
Caldwell2026$76,000
Calloway2026$82,300
Campbell2026$109,900
Carlisle2026$79,500
Carroll2026$79,300
Carter2026$71,500
Casey2026$58,400
Christian2026$93,800
Clark2026$102,100
Clay2026$50,400
Clinton2026$56,200
Crittenden2026$75,800
Cumberland2026$65,000
Daviess2026$92,100
Edmonson2026$81,400
Elliott2026$55,800
Estill2026$67,600
Fayette2026$102,100
Fleming2026$68,900
Floyd2026$60,700
Franklin2026$92,100
Fulton2026$57,000
Gallatin2026$109,900
Garrard2026$75,900
Grant2026$87,000
Graves2026$64,200
Grayson2026$72,500
Green2026$61,600
Greenup2026$83,300
Hancock2026$80,400
Hardin2026$92,100
Harlan2026$56,000
Harrison2026$90,000
Hart2026$69,600
Henderson2026$79,700
Henry2026$99,000
Hickman2026$87,100
Hopkins2026$74,600
Jackson2026$59,900
Jefferson2026$99,000
Jessamine2026$102,100
Johnson2026$64,100
Kenton2026$109,900
Knott2026$60,900
Knox2026$48,900
Larue2026$92,100
Laurel2026$72,500
Lawrence2026$69,100
Lee2026$56,000
Leslie2026$63,100
Letcher2026$61,300
Lewis2026$63,100
Lincoln2026$66,800
Livingston2026$81,400
Logan2026$78,600
Lyon2026$91,700
Madison2026$85,800
Magoffin2026$41,200
Marion2026$76,600
Marshall2026$85,600
Martin2026$52,700
Mason2026$71,300
Mccracken2026$102,400
Mccreary2026$44,800
Mclean2026$92,100
Meade2026$91,100
Menifee2026$54,600
Mercer2026$90,800
Metcalfe2026$71,600
Monroe2026$64,200
Montgomery2026$76,200
Morgan2026$62,000
Muhlenberg2026$72,500
Nelson2026$87,200
Nicholas2026$76,500
Ohio2026$69,400
Oldham2026$99,000
Owen2026$82,900
Owsley2026$50,200
Pendleton2026$109,900
Perry2026$57,200
Pike2026$66,500
Powell2026$62,300
Pulaski2026$75,300
Robertson2026$64,200
Rockcastle2026$71,700
Rowan2026$75,700
Russell2026$64,100
Scott2026$102,100
Shelby2026$104,900
Simpson2026$78,500
Spencer2026$99,000
Taylor2026$85,900
Todd2026$76,100
Trigg2026$93,800
Trimble2026$86,400
Union2026$76,600
Warren2026$81,400
Washington2026$83,500
Wayne2026$61,500
Webster2026$73,100
Whitley2026$58,300
Wolfe2026$39,000
Woodford2026$102,100

Published limits by program

Published income limits and purchase price caps by program in Kentucky
ProgramIncome limitPrice cap
City of Henderson First Time Homebuyer ProgramHenderson · Henderson80% of area median incomeHousehold income eligibility determined using HUD Section 8 income limits for Henderson County, KY. FY2026 80% (Low Income) 4-person limit = $60,900.—
City of Owensboro Down Payment Assistance ProgramOwensboro · Daviess80% of area median incomeHousehold income at or below 80% of HUD AMI for Owensboro/Daviess County. 2025: 1p $48,300; 2 $55,200; 3 $62,100; 4 $68,950; 5 $74,500; 6 $80,000; 7 $85,500; 8 $91,050.$209,000
Community Ventures Rural Homeownership Assistance Program (RHAP)80% of area median incomeHousehold income must not exceed 80% of area median income in rural counties, or 120% of AMI in areas of economic distress. Home must be in a county defined as rural by the CDFI Fund.—
Develop Louisville Down Payment Assistance ProgramLouisville · Jefferson80% of area median incomeHousehold gross income at or below 80% of HUD area median, adjusted for family size. 2024: 1p $54,000; 2 $61,700; 3 $69,400; 4 $77,100; 5 $83,300; 6 $89,450; 7 $95,650; 8 $101,800.$260,000
Fahe My Place MortgageBerea140% of area median incomeHousehold income at or below 140% of AMI per Fannie Mae's income lookup tool (80% AMI cap if using HomeReady/Home Possible with no first-time-buyer requirement).—
Frontier Housing - Mortgage Lending & Homeownership ProgramMorehead · Bath, Boyd, Bracken, Breathitt, Carter, Elliott, Fleming, Floyd, Greenup, Johnson, Lawrence, Lee, Magoffin, Martin, Mason, Menifee, Montgomery, Morgan, Owsley, Robertson, Rowan, Wolfe80% of area median incomeHOME-funded projects require <=80% AMI; Frontier also serves 80%-120% AMI with special financing. Not limited to lower-income brackets across its 22 service counties. Specific limits by household size from Frontier directly.—
Habitat for Humanity of Bowling Green/Warren County Homeownership ProgramBowling Green · WarrenSee programHousehold income must fall within published guidelines by family size, including wages, Social Security, disability, SSI, alimony, and child support for any household member. Published as MONTHLY gross income ranges by family size: 1 person $2,990 min/$3,979 max; 2 $2,850/$4,550; 3 $3,204/$5,117; 4 $2,847/$5,688; 5 $3,048/$6,146; 6 $3,497/$6,600; 7 $3,945/$7,050; 8 $4,393/$7,508. Larger households add 8% per additional member. One year of continuous income required.—
Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership ProgramCovington · Boone, Campbell, Kenton60% of area median incomeHousehold income generally between 30%-60% AMI; dollar limits vary by household size and county. Qualifying income includes wages, child support, alimony, SSA/SSI, retirement.—
Habitat for Humanity of Henderson Home Partnership ProgramHenderson · Henderson$63,760FY2026 MTSP income limits with min-max band per household size (4-person max $63,760).—
Habitat for Humanity of Madison and Clark Counties - Homeownership ProgramRichmond · Madison; Clark60% of area median incomeMaximum (2025): household gross annual income must not exceed 60% of area median income for similar-size families in the county. Minimum: gross monthly income at least $2,400 and annual income at least $28,800 in the prior 12 months. Madison County max by household size: 1=$49,500; 2=$56,600; 3=$63,650; 4=$70,700; 5=$76,400; 6=$82,050; 7=$87,700; 8=$93,350. Clark County max: 1=$59,650; 2=$68,200; 3=$76,700; 4=$85,200; 5=$92,050; 6=$98,850; 7=$105,650; 8=$112,500. $28,800 floor.—
Habitat for Humanity of Metro Louisville Homeownership ProgramLouisville · JeffersonSee program2026 income guidelines by household size: 1=$20,400-$54,450; 2=$23,800-$63,400; 3=$26,750-$71,300; 4=$29,700-$79,200; 5=$32,100-$85,550; 6=$34,470-$91,900; 7=$36,840-$98,250; 8=$39,200-$104,550.$280,000
Habitat for Humanity of Owensboro-Daviess County Homeownership ProgramOwensboro · DaviessSee programEligibility based on percentage of AMI; families must demonstrate financial need. Specific AMI thresholds not published - contact affiliate for current limits by household size.—
Habitat for Humanity Pennyrile Region Homeownership ProgramMadisonville · HopkinsSee programIncome must be steady enough to cover mortgage, utilities and upkeep (Habitat guidelines; dollar table not published).—
Habitat for Humanity Pulaski County Home Ownership ProgramSomerset · PulaskiSee programMust meet Habitat income guidelines (dollar table not published).—
Hardin County Habitat for Humanity Homeownership ProgramElizabethtown · HardinSee programIncome must fall within 30-60% of area median income (Habitat income guidelines; dollar table published as image).—
Heart of Paducah Homebuyer ProgramPaducah · McCracken$50,900Tiered household-size income caps (2022 brochure). General tier: 1-person $35,650; 2 $40,750; 3 $45,850; 4 $50,900; 5 $55,000. Several homes reserved for lower incomes: 1 $27,350; 2 $31,250; 3 $35,150; 4 $39,100; 5 $42,200. Minimum income near $28,500 needed to afford an $80,000 mortgage. Income includes gross wages, child support, and other regular income.—
Homebuyer Assistance ProgramCovington · Kenton80% of area median incomeHousehold income at or below 80% AMI per HUD HOME limits for the Northern Kentucky HOME Consortium (Cincinnati MSA / Boone-Campbell-Kenton). 2025 limits range $62,650 (1-person) to $118,100 (8-person). Seed-cited range $58,700-$110,700 reflects an earlier program-year HUD limit table. Part 5 income definition; tax returns not used for income determination but used for verification.$433,000
Housing Development Alliance - Homeownership ProgramHazard · Breathitt, Knott, Leslie, Perry80% of area median incomeLow-income households (generally <=80% AMI). Minimum gross monthly income $1,750 (Perry/Knott) or $1,900 (Leslie/Breathitt). Can assist annual incomes ~$17,000. Ceiling varies by funding source.—
KCEOC HOME Homebuyer ProgramBarbourville · KnoxSee programLow-income households per HUD HOME income limits (dollar table not published).—
Kentucky Regular DAPStatewide · Statewide$195,650Income limits follow KHC's Secondary Market or Mortgage Revenue Bond schedule depending on first-mortgage product. Upper-tier limits range $85,080 (1-2 person, lower-cost county) up to $195,650 (3+ person household, higher-cost county or targeted area). Verify exact limit by county and HH size at kyhousing.org.$544,232
KHC Affordable Down Payment Assistance Program (Affordable DAP)See programAffordable DAP income limits apply (more restrictive than Regular DAP); borrower must also meet KHC Secondary Market or Mortgage Revenue Bond income limits tied to the first mortgage. Specific dollar limits set by KHC and not published on the fetched pages.$544,232
KHC Conventional Preferred (HFA Preferred) First Mortgage ProgramStatewide · Statewide80% of area median incomeHFA Preferred: 80% AMI (applicant income only), eff. May 18, 2025. E.g. Jefferson $75,440; Fayette $81,920; Kenton/Boone $88,560; unlisted counties $56,720.$566,354
KHC Conventional Preferred Plus 80 (HFA Preferred Plus 80) First Mortgage ProgramStatewide · StatewideSee programSecondary Market Income Limits (applicant income only), eff. June 23, 2025. E.g. Jefferson/Bullitt/Oldham/Spencer $169,050; Fayette area $179,200; Boone/Campbell/Kenton area $195,650; other counties $147,350.$566,354
KHC Mortgage Revenue Bond (MRB) First Mortgage ProgramStatewide · StatewideSee programMRB Gross Annual Household Income Limits by county (incl. non-borrowing occupants on title), eff. June 23, 2025. E.g. Jefferson 1-2p $97,214 / 3+p $111,796; Boone/Campbell/Kenton 1-2p $111,800 / 3+p $128,570; targeted tracts higher.$566,354
Lexington Habitat for Humanity Homeownership ProgramLexington · Fayette80% of area median incomeGross annual household income must not exceed 80% AMI for Fayette County; minimum $40,050/yr. By household size (Feb 2026): 1=$57,350; 2=$65,550; 3=$73,750; 4=$81,900; 5=$88,500; 6=$95,050; 7=$101,600; 8=$108,150.—
Northern Kentucky HOME Consortium Homebuyer Assistance ProgramCovington · Kenton80% of area median incomeGross annual household income must not exceed 80% of Area Median Income per HUD limits (Part 5 income definition). 2023 limits: 1-person $56,650; 2 $64,750; 3 $72,850; 4 $80,900; 5 $87,400; 6 $93,850; 7 $100,350; 8 $106,800.$247,000
Partnership Housing Inc New Home Build Homebuyer ProgramBooneville · OwsleySee programTargeted to low-income families/individuals; specific homebuyer income table not published.—
People's Self-Help Housing Buy-a-Home ProgramVanceburg · Lewis$35,500Total annual household income cannot exceed PSHH limits (low/very-low income). Max by size: 1p $24,900; 2p $28,400; 3p $32,000; 4p $35,500; 5p $38,400; 6p $41,200.—
REACH HOME ProgramLexington · Bourbon|Clark|Fayette|Jessamine|Scott|Woodford80% of area median incomeHousehold income at or below 80% AMI for Lexington-Fayette MSA per HUD HOME limits (varies by household size). Verify current year limits with REACH or LFUCG Housing Advocacy & Community Development.—
REBOUND, Inc. - Affordable Homeownership ProgramLouisville · JeffersonSee programLow- to moderate-income (LMI) households meeting HUD limits via paired city DPA programs. Exact thresholds determined at DPA application through City of Louisville programs.—
Susan's Savings First Time Home Buyers ProgramStatewide · Statewide$59,904No explicit income cap; instead, eligibility is restricted by hourly wage as a charitable-class test: hourly rate of $28.80 or less. At full-time 2,080 hours, this equates to approximately $59,904 annual earnings ceiling. Part-time employees qualify regardless of total compensation as long as hourly rate <= $28.80.—
USDA Section 502 Direct Home Loan (Kentucky)80% of area median incomeAdjusted household income at or below the applicable low-income limit for the area; see USDA Direct income limit map for Kentucky counties.—
Welcome Home Program (FHLB Cincinnati)80% of area median incomeTotal income for all occupants at or below 80% of the Mortgage Revenue Bond limit for the county/state (per FHLB Cincinnati 2026 KY/OH/TN income limit schedule).—

Questions, answered

What are the income limits for down payment assistance in Kentucky?

33 down payment assistance programs in Kentucky publish an income limit, a purchase price cap, or both. 16 express the limit as a percentage of the area median income for the county where the home is, and 9 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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