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).
The program asks for
- 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
- Income at or below PSHH limits; 6 months stable employment if working; complete homebuyer education; address credit issues with counselor.
- A home in Lewis County
It doesn’t cover
- Manufactured homes
- Households above $35,500
- Homes outside Lewis County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
$35,500 household income limit, as the program publishes it
The program states this limit itself. Its official site says how household size changes it.
Where it applies
Lewis County’s homesLewis County’s homes, and the ones this program accepts
- 68.9% single-familysingle-family
- 0.2% townhousetownhouse
- 2.8% 2–4 units2–4 units
- 3.9% 5+ unitscondo & apartment buildings (5+ units)
- 24.2% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$96,000
Lewis County median home value
45.4%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Lewis County
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program, through People's Self-Help Housing (homebuyer education / counseling).
Contact People's Self-Help Housing, Inc. (PSHH) to reserve funds
Funds are reserved through Preliminary intake form / application, and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
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 homebuyers who will live in the home as their primary residence. On credit, the program states: No numeric minimum; counselors work with applicants to resolve credit issues. A homebuyer education course is required, through People's Self-Help Housing (homebuyer education / counseling). Residency requirement: Homes built only in Lewis County, KY. Income at or below PSHH limits; 6 months stable employment if working; complete homebuyer education; address credit issues with counselor.
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 homebuyers 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. Funds are reserved through Preliminary intake form / application. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.
Also for Lewis County homebuyersOther programs open to Lewis County homebuyers
- Welcome Home Program (FHLB Cincinnati)Up to $10,000
- KHC Affordable Down Payment Assistance Program (Affordable DAP)Up to $6,000
- Community Ventures Rural Homeownership Assistance Program (RHAP)Assistance
Whether two programs can be combined is up to each agency. Ask before you apply.
All 72 programs for Lewis CountyProgram terms are set by People's Self-Help Housing, Inc. (PSHH) and can change; confirm on the official site before you apply.