Grants, forgivable loans, and subsidized mortgages — many Kentucky buyers qualify for $12,000+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
Up to $6,000 repayable over 10 years at 5.5% interest for down payment and closing costs.
Low-interest loanHouse-hack eligibleUp to $6,000 repayable over 10 years at just 1% interest. For lower-income buyers.
1% interest loanHouse-hack eligibleFederal tax credit on mortgage interest paid. Reduces taxes every year for the life of the loan.
Annual tax credit3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 3 state-specific programs and 7 federal programs available in Kentucky, totaling 10 programs.
Not all programs require first-time buyer status. Several Kentucky programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.