Kentucky $12,500 Down Payment Assistance | Buy Home $0 Down | KHC Program 2026
Kentucky Housing Corporation increased down payment assistance to $12,500! Learn how to buy a Kentucky home with zero money down.

LOUISVILLE, KY — Kentucky homebuyers now have access to $12,500 in down payment assistance through the Kentucky Housing Corporation’s enhanced program. This historic 25% increase from $10,000 creates unprecedented opportunities for zero money down home purchases throughout the Bluegrass State.


🏠 Coverage: All 120 Kentucky Counties
💰 Maximum Assistance: $12,500
📊 Monthly Payment: Only ~$97/month
🎯 Credit Score: 620 minimum

Why Kentucky’s $12,500 Down Payment Assistance is Revolutionary

The Biggest Housing Opportunity in Kentucky History

Saving for a down payment is the #1 barrier to homeownership. Kentucky’s enhanced $12,500 down payment assistance program eliminates this obstacle, helping qualified buyers:

How to Buy a Kentucky Home with $0 Down Payment

Proven Zero Down Strategies for Kentucky Homebuyers

The combination of Kentucky’s $12,500 assistance with zero-down loan programs creates real opportunities for no-money-down home purchases.

Strategy #1: VA Loan + KHC $12,500 = Complete $0 Down

Perfect for Kentucky Veterans and Military Families

✅ VA Loan Benefits: 0% down payment, no PMI, competitive rates
✅ KHC $12,500 Usage: Covers all closing costs and fees
✅ Result: True $0 out-of-pocket purchase

Strategy #2: USDA Rural + KHC $12,500 = Rural $0 Down

Ideal for Rural Kentucky Communities

✅ USDA Coverage: 97+ Kentucky counties eligible
✅ USDA Benefits: 0% down, below-market rates
✅ KHC $12,500 Usage: Covers closing costs
✅ Result: Rural homeownership with zero cash

Rural Coverage Includes:

  • Eastern Kentucky coal region
  • Western Kentucky agricultural areas
  • Central Kentucky small towns
  • Appalachian mountain communities

Strategy #3: FHA + KHC $12,500 = Minimal Cash Required

Most Flexible for First-Time Kentucky Buyers

✅ FHA Benefits: 3.5% down, 620 credit minimum

Strategy #4: Conventional 97% + KHC $12,500 = Good Credit Advantage

✅ Conventional Benefits: 3% down, PMI removal options
✅ Credit Advantage: Better rates for 660+ scores

Joel Lobb  Email – kentuckyloan@gmail.com  Call/Text – 502-905-3708


 www.mylouisvillekentuckymortgage.com
 911 Barret Ave., Louisville, KY 40204

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

Kentucky Mortgage Loan Expert For Kentucky FHA, VA, USDA, Fannie Mae and KHC Down payment Assistance Loans