Navigating Kentucky Mortgage Options for New Homeowners


Mortgage Loans and Tips for Kentucky first time home buyers

2026 Welcome Home Grant Program for Kentucky Home Buyers


Summary: The Welcome Home Program in Kentucky offers grants up to $25,000 for military homebuyers and up to $20,000 for other eligible buyers to assist with down payment and closing costs. Eligible homebuyers must meet income criteria and other guidelines. Properties eligible for the grant must be the buyer's primary residence and have a legally enforceable retention mechanism. Prospective homebuyers should contact an FHLB Cincinnati Member financial institution for more program information and eligibility details. Various other programs and grants are also available for first-time homebuyers in Kentucky. For further information, contact a Kentucky Mortgage Lender.

Welcome Home Grant in Kentucky


There are various types of down payment assistance, even if you have student loans. Here are a few: FHA loans - federal loan through the Federal Housing Authority USDA loans - zero down mortgages for rural and suburban homeowners VA loans - if military service Kentucky Housing Down Payment Assistance of $10,000 There are federal, state and local assistance programs as well so be on the look out. If you want a personalized answer for your unique situation call, text, or email me or visit my website below: Joel Lobb Mortgage Loan Officer Individual NMLS ID #57916 American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364 Text/call: 502-905-3708 email: kentuckyloan@gmail.com https://kentuckyloan.blogspot.com/

How to buy a house in Kentucky with Zero Down Payment Mortgage Loan


Kentucky Housing Corporation (KHC) Loan (Best for KY Buyers Needing Assistance) Down Payment: $0 with $10,000 Down Payment Assistance (DAP) Interest Rate: ~5.75% Credit Score: 620+ Waiting Period: 2 years after bankruptcy, 3 years after foreclosure Income Limit: $168,700 Who Qualifies? First-time or income-eligible buyers in Kentucky Pros: $10,000 down payment assistance available Can be combined with FHA, VA, or USDA loans Lower interest rates than many other options Cons: Income and purchase price limits apply Requires homebuyer education course DAP is a loan, not a grant (must be repaid) Best for: Kentucky homebuyers needing down payment assistance.

The 2025 Welcome Home Program is closed. Please call 888-345-2246 with any questions.


https://kyfirsttimehomebuyer.wordpress.com/2025/03/04/welcome-home-program-in-kentucky/ 2025 Welcome Home Program alternatives—KHC, USDA, FHA, and Louisville Metro Down Payment Assistance KHC, USDA, FHA, and local programs as options after the 2025 Welcome Home Program reached capacity. I can break down what’s available based on current info. Let’s assume you’re in Kentucky. This is because KHC is Kentucky Housing Corporation. However, if … Continue reading The 2025 Welcome Home Program is closed. Please call 888-345-2246 with any questions.