Forgivable loan
Develop Louisville Down Payment Assistance Program
Income limits · Single Family · Condo · Co-op
Down payment assistance · Jefferson County
Buying a home in Louisville, KY
3 Louisville programs and 9 statewide.Louisville has 3 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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Louisville’s own programs
First mortgage
Habitat for Humanity of Metro Louisville Homeownership Program
New construction · Income limits · Single Family
Down-payment assistance
REBOUND, Inc. - Affordable Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Income limits in Jefferson County
How programs here set their income limits
$99,000
County area median income, 4 people (HUD)HUD area median income, Jefferson County, 4-person household (2026)
14 of the 74 programs here set their income limit as a share of Jefferson County’s area median income, adjusted for household size. See the published limits for Jefferson County
Free help nearbyFree help near Louisville
3 HUD-approved counseling agencies within 15 miles3 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Louisville questions
Does Louisville have its own down payment program?
Yes, 3: Develop Louisville Down Payment Assistance Program, Habitat for Humanity of Metro Louisville Homeownership Program and REBOUND, Inc. - Affordable Homeownership Program. Each is for homes inside Louisville.
Can I use assistance on a condo in Louisville?
1 of Louisville’s 3 local and county programs accept condos. Habitat for Humanity of Metro Louisville Homeownership Program lists single family. REBOUND, Inc. - Affordable Homeownership 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 Jefferson County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Jefferson 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 Louisville?
HUD-approved housing counseling agencies teach homebuyer classes, and 3 agencies are within 15 miles of Louisville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
40201 · 40202 · 40203 · 40204 · 40205 · 40206 · 40207 · 40208 · 40209 · 40210 · 40211 · 40212 · 40213 · 40214 · 40215 · 40216 · 40217 · 40218 · 40219 · 40220 · 40221 · 40222 · 40223 · 40224 · 40225 · 40228 · 40229 · 40231 · 40232 · 40233 · 40241 · 40242 · 40243 · 40245 · 40250 · 40251 · 40252 · 40253 · 40255 · 40256 · 40257 · 40258 · 40259 · 40261 · 40266 · 40268 · 40269 · 40270 · 40272 · 40280 · 40281 · 40282 · 40283 · 40285 · 40287 · 40289 · 40290 · 40291 · 40292 · 40293 · 40294 · 40295 · 40296 · 40297 · 40298 · 40299
Nearby in Jefferson
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.