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Habitat for Humanity Pulaski County Home Ownership Program

Habitat for Humanity of Pulaski County, KY · Somerset, Kentucky

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Repayment

Deferred

No payments until the home is sold or refinanced

What is Habitat for Humanity Pulaski County Home Ownership Program?

Habitat for Humanity Pulaski County Home Ownership Program is a silent second mortgage for homebuyers in Somerset, Kentucky, administered by Habitat for Humanity of Pulaski County, KY.

  • Habitat for Humanity of Pulaski County constructs one to two new affordable, energy-efficient homes each year and sells them to qualified Pulaski County families, with mortgage payments set at approximately 30% of the homeowner's income. Selection is based on need, ability to pay, and willingness to partner (sweat equity).
  • Affordable Habitat mortgage with payments near 30% of income.
  • New energy-efficient home.
  • Deferred subsidy.
  • Sweat equity in lieu of down payment.
  • Funding comes from Mortgage payments, donations, ReStore, grants.

Do you have to pay it back?

Habitat for Humanity Pulaski County Home Ownership Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • The assistance is recorded in First position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity Pulaski County Home Ownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Habitat for Humanity of Pulaski County
  • Residency: Resident of Pulaski County
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Need, ability to pay, willingness to partner (sweat equity). Application window was closed at time of research (cyclic) — confirm before publish.

The program excludes

  • Manufactured homes

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Habitat for Humanity Pulaski County Home Ownership Program sets its income limit as follows: Must meet Habitat income guidelines (dollar table not published).

  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Habitat for Humanity Pulaski County Home Ownership Program can be used for Single Family.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity Pulaski County Home Ownership Program serves buyers purchasing in Somerset, Kentucky.

How do you apply?

Applications for Habitat for Humanity Pulaski County Home Ownership Program go through Habitat for Humanity of Pulaski County, KY, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity of Pulaski County.

  2. Contact Habitat for Humanity of Pulaski County, KY to reserve funds

    Funds are reserved through Periodic application windows, and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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