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Susan's Savings First Time Home Buyers Program

Statewide, Kentucky

Last verified
See what you qualify forOfficial program site →
Income limit

$59,904

The household income limit the program publishes

Repayment

Grant

Not repaid

What is Susan's Savings First Time Home Buyers Program?

Susan's Savings First Time Home Buyers Program is a grant for homebuyers in Statewide, Kentucky.

  • Employer-sponsored 2:1 matching grant for first-time homebuyer employees of Trilogy Health Services / Synchrony Health Services (senior care / SNF / LTC operator). Up to $7,000 lifetime match (save $3,500 over 3 years). Eligibility restricted to FT/PT employees in good standing for 6+ months, hourly rate <= $28.80. Funds paid directly to mortgage company at closing for down payment / closing costs. Pure grant, no lien, no repayment. Multi-state employer footprint (KY/IN/OH/MI); recorded as Statewide for KY database with employer-specific eligibility documented.
  • Susan's Savings is a 2-to-1 employer matching grant program for first-time homebuyer employees of Trilogy Health Services and Synchrony Health Services. Employees set up a direct-deposit savings plan with banking partner Fifth Third Bank.
  • the Trilogy Health Services Foundation matches every saved dollar 2:1 (i.e., $1 saved = $2 in matched grant). The match is tiered by savings duration and amount: save up to $1,000 over 6 months -> $2,000 match.
  • save up to $1,500 over 1 year -> $3,000 match.
  • save up to $2,500 over 2 years -> $5,000 match.
  • save up to $3,500 over 3 years -> $7,000 match (program cap). At closing, the matched grant is paid directly to the buyer's mortgage company for down payment and closing costs. The grant is non-repayable, with no lien, no second mortgage, and no occupancy term beyond standard first-mortgage requirements. Named for Susan Bufford, wife of Trilogy founder Randy Bufford.
  • Funding comes from Private, Employer, and Foundation.

Do you have to pay it back?

Susan's Savings First Time Home Buyers Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by None - true grant and no repayment, no lien, no occupancy claw-back.
  • The assistance is recorded in 1st Lien (grant - no separate lien) position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Susan's Savings First Time Home Buyers 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 — with exceptions: First-time homebuyer required; no published exceptions for displaced homemakers / etc.
  • The home is occupied as a primary residence
  • On credit: No Foundation-imposed minimum FICO; first-mortgage lender overlays apply.
  • Residency: No state or geographic residency requirement imposed by the Foundation. Employee can purchase a home in any state where Trilogy operates (Kentucky, Indiana, Ohio, Michigan) - or potentially elsewhere, subject to first-mortgage feasibility. The Foundation pays the matched grant to the closing mortgage company regardless of property state.
  • Citizenship or immigration status: Per first-mortgage product overlays.
  • EMPLOYER-RESTRICTED PROGRAM. Open only to current employees of Trilogy Health Services or Synchrony Health Services. Eligibility (verbatim from Foundation page): (1) Open to both full-time and part-time employees; (2) Must be a first-time home buyer; (3) Must be employed at Trilogy for over 6 months and in good standing; (4) Must meet charitable-class guidelines: employees whose hourly rate is greater than $28.80 are not eligible (this acts as the income test - $28.80/hr x 2,080 hrs ~= $59,904/yr full-time). Employees set up direct deposit to Fifth Third Bank savings account via UKG (Pay > Direct Deposit > Add Direct Deposit) for a minimum of 6 months. Match is paid only upon successful first-home closing. Funds may be applied only to down payment and/or closing costs at closing. Maximum lifetime match $7,000.

The program excludes

  • Households above $59,904

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?

Susan's Savings First Time Home Buyers Program limits household income to $59,904.

  • 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?

Susan's Savings First Time Home Buyers Program caps the purchase price as follows: No published maximum purchase price.

  • Eligible property types include Per first-mortgage product and no Foundation-imposed property-type restriction.
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

Susan's Savings First Time Home Buyers Program names healthcare workers among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Susan's Savings First Time Home Buyers Program serves buyers purchasing in Statewide, Kentucky.

How do you apply?

Applications for Susan's Savings First Time Home Buyers Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Contact the administering agency to reserve funds

    Funds are reserved through Employee enrolls via Foundation application form at thetrilogyfoundation.org. Sets up direct deposit to Fifth Third Bank savings via UKG. Saves for chosen tier duration (6 mo / 1 yr / 2 yr / 3 yr). Notifies Emily Taylor (Emily.Taylor@Trilogyhs.com) of pending closing. Foundation wires match to buyer's mortgage company at closing. Subject to annual Foundation funding availability., and are subject to availability.

  2. 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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