Forgivable loan
City of Owensboro Down Payment Assistance Program
First-time homebuyers · New construction · Income limits · Single Family · Townhouse · Condo
Down payment assistance · Daviess County
Buying a home in Owensboro, KY
2 Owensboro programs and 9 statewide.Owensboro has 2 programs 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.
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Only for Owensboro addresses
Owensboro’s own programs
First mortgage
Habitat for Humanity of Owensboro-Daviess County Homeownership Program
New construction · Income limits · Single Family
The Owensboro marketThe Owensboro housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Owensboro
- 69.8% single-familysingle-family
- 1.9% townhousetownhouse
- 12.1% 2–4 units2–4 units
- 14.6% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
Condos count. 1 of Owensboro’s 2 local and county programs accept condos. Habitat for Humanity of Owensboro-Daviess County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Owensboro’s homes were built
pre-19401970s2020+
65.4%
of Owensboro 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.
$92,100
County area median income, 4 people (HUD)HUD area median income, Daviess County, 4-person household (2026)
$56,357
Owensboro median household incomeMedian household income in Owensboro (Census, 2024)
14 of the 73 programs here set their income limit as a share of Daviess County’s area median income, adjusted for household size. See the published limits for Daviess County
Free help nearbyFree help near Owensboro
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Owensboro questions
Does Owensboro have its own down payment program?
Yes, 2: City of Owensboro Down Payment Assistance Program and Habitat for Humanity of Owensboro-Daviess County Homeownership Program. Each is for homes inside Owensboro.
Can I use assistance on a condo in Owensboro?
1 of Owensboro’s 2 local and county programs accept condos. Habitat for Humanity of Owensboro-Daviess County 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 Daviess County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Daviess 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 Owensboro?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Owensboro. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
42301 · 42302 · 42303 · 42304
Nearby in Daviess
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.