Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Kentucky down payment assistance programs

Quick answer

Kentucky buyers can get down payment help from Louisville Metro Government - Office of Housing. We verified 2 statewide programs, including Down Payment Assistance Program (No more than 20% of the purchase price, not to exceed $30,000). Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsPrograms last verified

What down payment assistance does Kentucky offer?

ProgramAmountTypeMin. creditFirst-time only?
Down Payment Assistance ProgramNo more than 20% of the purchase price, not to exceed $30,000Forgivable loanNot statedNo
KHC Down Payment AssistanceUp to $12,500Repayable second mortgageNot statedSee program

How do I apply for Kentucky down payment assistance?

  1. Find a participating lender approved by Louisville Metro Government - Office of Housing.
  2. Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
  3. Complete the required homebuyer education course.
  4. Your lender reserves the assistance when you go under contract.

Cities in Kentucky

LouisvilleLexingtonBowling GreenOwensboroCovingtonGeorgetownRichmondFlorenceElizabethtownNicholasville

Other states with verified programs

AlabamaArkansasCaliforniaColoradoConnecticutDelawareDistrict Of ColumbiaFloridaIdahoIllinois

Frequently asked questions

Down Payment Assistance Program: No more than 20% of the purchase price, not to exceed $30,000; KHC Down Payment Assistance: Up to $12,500.

Not always — Down Payment Assistance Program is open to repeat buyers too.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 25, 2026.

Find a lender for Kentucky assistance

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.