First mortgage
Frontier Housing - Mortgage Lending & Homeownership Program
New construction · Income limits · Single Family · Manufactured · Modular
Down payment assistance · Muhlenberg County
Buying a home in Morehead, KY
1 Morehead program and 9 statewide.Morehead has 1 program 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 Morehead addresses
Morehead’s own program
Income limits in Muhlenberg County
How programs here set their income limits
$72,500
County area median income, 4 people (HUD)HUD area median income, Muhlenberg County, 4-person household (2026)
14 of the 72 programs here set their income limit as a share of Muhlenberg County’s area median income, adjusted for household size. See the published limits for Muhlenberg County
Free help nearbyFree help near Morehead
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Morehead’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Frontier Housing - Mortgage Lending & Homeownership Program asks 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
Morehead questions
Does Morehead have its own down payment program?
Yes, one: Frontier Housing - Mortgage Lending & Homeownership Program, a first mortgage (new construction, income limits). It is for homes inside Morehead.
Can I use assistance on a condo in Morehead?
Morehead’s one local program does not list condos as eligible. Frontier Housing - Mortgage Lending & Homeownership Program lists single family, manufactured and modular. 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 Muhlenberg County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Muhlenberg 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 Morehead?
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
40351
Nearby in Muhlenberg
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.