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People's Self-Help Housing Buy-a-Home Program

People's Self-Help Housing, Inc. (PSHH) · Vanceburg, Kentucky

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Income limit

$35,500

The household income limit the program publishes

What is People's Self-Help Housing Buy-a-Home Program?

People's Self-Help Housing Buy-a-Home Program is down payment assistance for homebuyers in Vanceburg, Kentucky, administered by People's Self-Help Housing, Inc. (PSHH).

  • Since 1982, People's Self-Help Housing builds high-quality, energy-efficient new homes exclusively in Lewis County, KY, and sells them to qualifying low- and very-low-income families with an affordable payment arranged to fit household income (PITI). PSHH provides homeownership counseling, homebuyer education, and credit counseling.
  • New energy-efficient home with affordable PITI payment.
  • Homeownership/credit counseling.
  • Buyer personalization of finishes.
  • Funding comes from Federal and state housing loans and grants.

Do you have to pay it back?

People's Self-Help Housing Buy-a-Home Program is down payment assistance and is repaid under the terms set by People's Self-Help Housing, Inc. (PSHH).

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

People's Self-Help Housing Buy-a-Home Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: No numeric minimum; counselors work with applicants to resolve credit issues
  • A completed homebuyer education course, through People's Self-Help Housing (homebuyer education / counseling)
  • Residency: Homes built only in Lewis County, KY
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Income at or below PSHH limits; 6 months stable employment if working; complete homebuyer education; address credit issues with counselor.

The program excludes

  • Manufactured homes
  • Households above $35,500

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?

People's Self-Help Housing Buy-a-Home Program limits household income to $35,500.

  • The limit applies to total household income, not only the borrower’s.
  • The program lists a maximum household size of 6.
  • 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?

People's Self-Help Housing Buy-a-Home Program can be used for Single Family.

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

Where does it apply?

People's Self-Help Housing Buy-a-Home Program serves buyers purchasing in Vanceburg, Kentucky.

How do you apply?

Applications for People's Self-Help Housing Buy-a-Home Program go through People's Self-Help Housing, Inc. (PSHH), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through People's Self-Help Housing (homebuyer education / counseling).

  2. Contact People's Self-Help Housing, Inc. (PSHH) to reserve funds

    Funds are reserved through Preliminary intake form / application, 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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