Northern Kentucky HOME Consortium / City of Covington Neighborhood Services
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Northern Kentucky HOME Consortium / City of Covington Neighborhood ServicesKYFirst-Time Homeowner0% interest deferred forgivable second mortgage loan
Updated: Dec 5, 2025
The Northern Kentucky HOME Consortium’s Home Buyer Assistance Program offers 0% interest, deferred down payment assistance loans—up to $10,000—to help income-qualified buyers in eight Northern Kentucky cities cover down payment and closing costs and transition into long-term homeownership.
Eligible for: Low- and moderate-income homebuyers purchasing an owner-occupied home in one of the Northern Kentucky HOME Consortium cities—Covington, Ludl…
Funding: Deferred, forgivable second mortgage loan up to 10000 dollars to cover lender required down payment and customary closing costs, forgiven pro rata over 10 years while the buyer remains in the home.Deadline: Rolling; homebuyers can apply year-round, but funds are reserved on a first-come, first-served basis once a fully executed purchase contract and complete application are submitted.RollingRegionalindividualfirst-time homebuyerlow- to moderate-income homebuyerdown payment assistanceclosing cost assistanceforgivable loan