Down payment assistance · Bell County
Buying a home in Middlesboro, KY
9 statewide.Middlesboro has no program of its own, and 9 statewide. Here is what each one offers, and who near you can walk you through it.
What’s local to Middlesboro
No program of Middlesboro’s own yet
No program run for Middlesboro or for Bell County alone is listed. A home in Middlesboro can use the Kentucky statewide and federal programs below.
The closest city that runs its own program is Lexington, about 104 miles away. City programs usually require the home to be inside that city’s limits.
Income limits in Bell County
How programs here set their income limits
13 of the 71 programs here set their income limit as a share of Bell County’s area median income, adjusted for household size. See the published limits for Bell County
Free help nearbyFree help near Middlesboro
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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.
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Across Kentucky and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Middlesboro questions
Does Middlesboro have its own down payment program?
No program run for Middlesboro alone is listed. A home in Middlesboro can use the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Middlesboro?
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 Bell County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Bell 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 Middlesboro?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
40965
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.