🚨 2026 Welcome Home Grant: Coming March 2026
Good news! The Federal Home Loan Bank of Cincinnati (FHLBC) will be opening the Welcome Home Grant program again in March 2026. Details on grant amounts and income limits are still being finalized, but funds will be distributed on a first-come, first-served basis—so early action will be key.
Stay tuned to this page for updates as soon as 2026 program details are announced. In the meantime, explore other down payment assistance options available now.
Kentucky Welcome Home Grant: What You Need to Know
📅 2025 Program Status
As of March 13, 2025, the Welcome Home Program Grant officially closed for the year. The limited funding was quickly reserved on a first-come, first-served basis.
What to Expect: 2026 Welcome Home Grant Details
Based on the 2025 program, the 2026 Welcome Home Grant will likely offer similar benefits, but we’re waiting for official confirmation on:
❓ Not Yet Confirmed for 2026
- Grant amount (was $20,000 in 2025)
- Income limits by county
- Exact opening date in March
- Any program changes or updates
✓ Expected to Remain the Same
- Primary residence requirement
- First-come, first-served distribution
- Low-to-moderate income focus
- Non-repayable grant (not a loan)
- Available statewide in Kentucky
How to Stay Updated
We’ll update this page as soon as 2026 program details are announced by the Federal Home Loan Bank of Cincinnati. To ensure you don’t miss the opening:
- Contact us now to get on the pre-approval list—we’ll notify you the moment the grant opens
- Follow our blog for real-time updates on grant availability
- Check back in early March 2026 for official program details
Don’t Wait: Alternative Down Payment Assistance Available Now
While the Welcome Home Grant won’t be available again until March 2026, there are several down payment assistance programs you can access right now:
KHC Down Payment Assistance
Up to $10,000 in down payment help for first-time and repeat buyers. Works with FHA, VA, USDA, and Conventional loans.
VA Loans (For Veterans)
No down payment required. No monthly mortgage insurance. Competitive rates for veterans and active-duty service members.
USDA Loans (Rural Eligible Areas)
100% financing available in eligible rural areas. Many parts of Kentucky qualify, including suburban and rural counties.
FHA Loans with KHC Layering
As little as 3.5% down + up to $10,000 KHC assistance = minimal out-of-pocket costs for first-time buyers.
Conventional 3% Down + Grants
First-time buyer options with reduced PMI and potential grant layering for even lower upfront costs.
FHA Smart Down Payment Assistance
5% grant program paired with FHA financing for accessible homeownership.
The Smart Move: Get Pre-Approved Now
Don’t let 2026 grants pass you by again. Get pre-approved and be ready to move fast when the program opens.
Our free mortgage pre-approval with same-day approval gets you positioned to act immediately when grant funding becomes available. Plus, you’ll explore all available down payment assistance options right now.
Kentucky First-Time Home Buyer Programs | USDA, FHA, VA & KHC Loans 