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.

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.

Kentucky First-Time Home Buyer Loan Programs


Kentucky First Time Home Buyer Loan Programs for 2024

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.