- First-time homebuyers statewide in non-targeted areas
- First-time and repeat homebuyers statewide in targeted areas
- 30-year fixed interest rate
- Principal residence ONLY
- Purchase Price Limit: $510,939
- Borrower must meet KHC’s MRB Income Limits
- Insured by the Federal Housing Administration
- 3.5 percent down payment
- KHC DAP applicable
- Upfront and monthly mortgage insurance
- Minimum credit score of 620
- Guaranteed by the Veterans Administration for qualified military veterans
- No down payment if the property appraises for the sales price or greater
- KHC DAP applicable
- Minimum credit score of 620
- No monthly mortgage insurance payments
- Guaranteed by Rural Housing Services (RHS)
- Home must be located in a rural area as defined by RHS
- No down payment if the property appraises for the sales price or greater
- KHC DAP applicable
- Upfront and monthly mortgage insurance
- Minimum credit score of 620
Kentucky Housing Corporation (KHC) offers a down payment assistance program to help Kentucky First Time Home buyers buy a house with no down payment.
Guidelines for the $10,000 Down Payment Assistance Program for Kentucky Homebuyers:
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Provides up to $10,000 in down payment assistance.
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This assistance is offered as a second mortgage with a fixed interest rate.
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Typically, the second mortgage is repaid over a 10-year term, but terms can vary.
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Income Limits: Borrowers must meet certain income limits, which vary by county and household size. see link here 👉 limits https://www.kyhousing.org/Homeownership/Future-Homebuyers/Documents/SMP%20Income%20Limitations.pdf
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Credit Score: Minimum credit score requirements apply, generally starting at 620 for government loans VA, USDA and FHA while Conventional loans require a 660 score
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First-Time Homebuyer Status: While KHC primarily targets first-time homebuyers, some programs may allow repeat buyers in certain circumstances.
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Homebuyer Education: Completion of a homebuyer education course may be required for conventional loan programs. Government-backed programs do not require homebuyer education courses.
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Property Requirements: Must be primary residence and no second home homes or rental properties. The home must meet certain criteria, such as being a primary residence and meeting property condition standards. No subject to properties or fixer uppers or rehab houses. Kentucky properties only
-
Debt to Income Requirements. Front end and back end debt ratio cannot be more than 50%
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Purchase price Limits $510,939 is the current purchase price limit. Changes yearly.
1 – Email – kentuckyloan@gmail.com
2. Call/Text – 502-905-3708
Joel Lobb
Mortgage Loan Officer – Expert on Kentucky Mortgage Loans
Website: www.mylouisvillekentuckymortgage.com
Address: 911 Barret Ave., Louisville, KY 40204
Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916
For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.
Kentucky First-Time Home Buyer Programs | USDA, FHA, VA & KHC Loans 
The following Housing Authroities matched your search criteria.
A housing authority generally has two types of assistance available: Section 8 vouchers and affordable apartments.
Housing Authority Address
Appalachian Foothills Housing Wurtland, KY .41144
Barbourville Ur & Cd Barbourville, KY .40906
Boone Ct Fiscal Ct Ahd Burlington, KY .41005
Breckinridge County Housing Hardinsburg, KY .40143
Campbell County Housing Newport, KY .41072
Campbellsville Housing And Red Campbellsville, KY .42718
City Of Ashland Ashland, KY .41105
City Of Bowling Green Bowling Green, KY .42102
City Of Covington , Kentucky Covington, KY .41011
City Of Harrodsburg Harrodsburg, KY .40330
City Of Hickman Section 8 Hous Hickman, KY .42050
City Of Louisville, Dept. Of H Louisville, KY .40202
City Of Paducah Paducah, KY .42002
City Of Richmond Richmond, KY .40476
Clinton Housing Authority Mayfield, KY .42066
Community Dev Section 8 Danville, KY .40422
Cumberland Valley Regional H A Barbourville, KY .40906
Elliott County Housing Authori Wurtland, KY .41144
Glasgow Community Development Glasgow, KY .42141
Grayson-Carter County Housing Greenup, KY .41144
Housing Authority Dry Ridge Dry Ridge, KY .41035
Housing Authority Floyd County Prestonsburg, KY .41653
Housing Authority Georgetown Georgetown, KY .40324
Housing Authority Greensburg Greensburg, KY .42743
Housing Authority Mayfield Mayfield, KY .42066
Housing Authority Of Albany Albany, KY .42602
Housing Authority Of Ashland Ashland, KY .41101
Housing Authority Of Barbourvi Barbourville, KY .40906
Housing Authority Of Bardstown Bardstown, KY .40004
Housing Authority Of Beattyvil Beattyville, KY .41311
Housing Authority Of Beaver Da Beaver Dam, KY .42320
Housing Authority Of Benton Benton, KY .42025
Housing Authority Of Berea Berea, KY .40403
Housing Authority Of Bloomfiel Bloomfield, KY .40008
Housing Authority Of Bowling G Bowling Green, KY .42102
Housing Authority Of Burkesvil Burkesville, KY .42717
Housing Authority Of Cadiz Cadiz, KY .42211
Housing Authority Of Carrollto Carrollton, KY .41008
Housing Authority Of Catlettsb Catlettsburg, KY .41129
Housing Authority Of Central C Central City, KY .42330
Housing Authority Of Columbia Columbia, KY .42728
Housing Authority Of Corbin Corbin, KY .40701
Housing Authority Of Covington Covington, KY .41015
Housing Authority Of Cumberlan Cumberland, KY .40823
Housing Authority Of Cynthiana Cynthiana, KY .41031
Housing Authority Of Danville Danville, KY .40422
Housing Authority Of Dawson Sp Dawson Springs, KY .42408
Housing Authority Of Dayton Dayton, KY .41074
Housing Authority Of Elizabeth Elizabethtown, KY .42701
Housing Authority Of Eminence Eminence, KY .40019
Housing Authority Of Falmouth Falmouth, KY .41040
Housing Authority Of Flemingsb Flemingsburg, KY .41041
Housing Authority Of Frankfort Frankfort, KY .40601
Housing Authority Of Franklin Franklin, KY .42134
Housing Authority Of Fulton Fulton, KY .42041
Housing Authority Of Glasgow Glasgow, KY .42141
Housing Authority Of Greenvill Greenville, KY .42345
Housing Authority Of Harlan Harlan, KY .40831
Housing Authority Of Harrodsbu Harrodsburg, KY .40330
Housing Authority Of Hazard Hazard, KY .41701
Housing Authority Of Henderson Henderson, KY .42420
Housing Authority Of Hickman Hickman, KY .42050
Housing Authority Of Hodgenvil Hodgenville, KY .42748
Housing Authority Of Hopkinsvi Hopkinsville, KY .42240
Housing Authority Of Horse Cav Horse Cave, KY .42749
Housing Authority Of Irvine Irvine, KY .40336
Housing Authority Of Irvington Irvington, KY .40146
Housing Authority Of Jackson Jackson, KY .41339
Housing Authority Of Jefferson Louisville, KY .40204
Housing Authority Of Knott Cou Hindman, KY .41822
Housing Authority Of Lancaster Lancaster, KY .40444
Housing Authority Of Lawrence Louisa, KY .41230
Housing Authority Of Lebanon Lebanon, KY .40033
Housing Authority Of Lexington Lexington, KY .40505
Housing Authority Of Liberty Liberty, KY .42539
Housing Authority Of London London, KY .40741
Housing Authority Of Louisvill Louisville, KY .40203
Housing Authority Of Lyon Coun Eddyville, KY .42038
Housing Authority Of Madisonvi Madisonville, KY .42431
Housing Authority Of Mancheste Manchester, KY .40962
Housing Authority Of Martin Martin, KY .41649
Housing Authority Of Martin Co Warfield, KY .41267
Housing Authority Of Maysville Maysville, KY .41056
Housing Authority Of Mccreary Pine Knot, KY .42635
Housing Authority Of Mckee Mc Kee, KY .40447
Housing Authority Of Middlesbo Middlesboro, KY .40965
Housing Authority Of Monticell Monticello, KY .42633
Housing Authority Of Morehead Morehead, KY .40351
Housing Authority Of Morganfie Morganfield, KY .42437
Housing Authority Of Morgantow Morgantown, KY .42261
Housing Authority Of Mount Ste Mount Sterling, KY .40353
Housing Authority Of Mount Ver Mount Vernon, KY .40456
Housing Authority Of Murray Murray, KY .42071
Housing Authority Of Newport Newport, KY .41071
Housing Authority Of Nicholasv Nicholasville, KY .40356
Housing Authority Of Olive Hil Olive Hill, KY .41164
Housing Authority Of Owensboro Owensboro, KY .42303
Housing Authority Of Owenton Owenton, KY .40359
Housing Authority Of Owingsvil Owingsville, KY .40360
Housing Authority Of Paducah Paducah, KY .42003
Housing Authority Of Paintsvil Paintsville, KY .41240
Housing Authority Of Paris Paris, KY .40361
Housing Authority Of Pineville Pineville, KY .40977
Housing Authority Of Princeton Princeton, KY .42445
Housing Authority Of Providenc Providence, KY .42450
Housing Authority Of Radcliff Radcliff, KY .40160
Housing Authority Of Richmond Richmond, KY .40476
Housing Authority Of Russellvi Russellville, KY .42276
Housing Authority Of Salyersvi Salyersville, KY .41465
Housing Authority Of Scottsvil Scottsville, KY .42164
Housing Authority Of Shelbyvil Shelbyville, KY .40065
Housing Authority Of Somerset Somerset, KY .42501
Housing Authority Of Stanford Stanford, KY .40484
Housing Authority Of Stanton Irvine, KY .40336
Housing Authority Of Sturgis Sturgis, KY .42459
Housing Authority Of Todd Coun Guthrie, KY .42234
Housing Authority Of Tompkinsv Tompkinsville, KY .42167
Housing Authority Of Versaille Versailles, KY .40383
Housing Authority Of Whitesbur Whitesburg, KY .41858
Housing Authority Of Williamsb Williamsburg, KY .40769
Housing Authority Of Williamst Williamstown, KY .41097
Housing Authority Of Wincheste Winchester, KY .40392
Housing Authority Pikeville Pikeville, KY .41501
Housing Authority Prestonsburg Prestonsburg, KY .41653
Housing Authority Springfield Springfield, KY .40069
Housing Authority Vanceburg Vanceburg, KY .41179
Kentucky Housing Corporation Frankfort, KY .40601
Lake Cumberland Housing Agency Russell Springs, KY .42642
Laurel County Section 8 Housin London, KY .40741
Lexington-Fayette Urban County Lexington, KY .40505
Paris/Bourbon County Urban Ren Paris, KY .40362
Pike County Housing Authority Pikeville, KY .41501
Pineville/Bell County Ur & Cd Pineville, KY .40977
Williamsburg Community Develop Williamsburg, KY .40769
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