Kentucky • First-Time Homeowner programs
First-Time Homeowner grants in Kentucky
Browse first-time homeowner grants available in Kentucky, including statewide and local programs.
5 active programs in Kentucky
First-time homebuyer filters
Tailor these grants to your situation
Narrow the list by applicant type. Selections update the results instantly and are saved in the URL.
Applicant type (choose any)
Latest opportunities (5)
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…
Kentucky Housing CorporationKYFirst-Time Homeowner15-year amortized loan at 4.75% interest
Updated: Dec 5, 2025
KHC’s Down Payment Assistance page explains how the Down Payment Assistance Program (DAP) helps buyers cover down payment, closing costs and prepaids that often block first-time and moderate-income homebuyers from purchasing a home.
Eligible for: Kentucky homebuyers using a KHC first-mortgage loan who meet KHC income limits, credit and underwriting guidelines, and purchase an owner-oc…
Lexington-Fayette Urban County Government – Housing Advocacy & Community DevelopmentKYFirst-Time HomeownerVaries — non-repayable subsidies or 0-2% second mortgages via partner agencies
Updated: Dec 5, 2025
Lexington’s First-Time Homebuyer Program connects income-eligible households to a network of nonprofit partners that provide non-repayable mortgage subsidies and 0–2% loans, helping first-time buyers bridge the gap between what they can borrow and the total cost of purchasing a home in Lexington.
Eligible for: Lower- to moderate-income first-time homebuyers who live in Lexington and are purchasing an owner-occupied home within Lexington-Fayette Cou…
Louisville Metro Down Payment Assistance Program
Temporarily closed to new applicationsLouisville Metro Government – Office of Housing & Community DevelopmentKYFirst-Time Homeowner0% interest partially forgivable second mortgage loan
Updated: Dec 5, 2025
Louisville’s Down Payment Assistance Program is one of Kentucky’s most generous local homebuyer initiatives, offering an interest-free second mortgage of up to 20% of the purchase price (maximum $40,000) to help income-qualified buyers cover down payment and closing costs on primary residences in the Louisville Metro area.
Eligible for: Low- to moderate-income buyers purchasing an existing or newly constructed primary residence in the Louisville Metro area, with household in…
Kentucky Housing CorporationKYFirst-Time HomeownerSecond mortgage down payment assistance loan plus mortgage credit certificate tax credit
Updated: Dec 5, 2025
This partner-facing page shows lenders how KHC’s down payment assistance and home buyer tax credits work together to make homeownership possible and more affordable for Kentuckians who might otherwise be priced out.
Eligible for: Designed for KHC lending partners originating KHC loans for Kentucky homebuyers; borrowers must qualify for KHC first-mortgage programs, mee…