Help to buy in Kentucky

Home-buying assistance programs in Kentucky

1 official program for down payment and closing cost help in Kentucky, from Kentucky Housing Corporation. We show what each program says on its own page, with the date we checked it.

See the list Which programs might I qualify for?

Three generations of a family gather on the porch of their home.

Verified programs: 1; from Kentucky Housing Corporation
First-time buyers only: 0; 1 does not require it or its page does not say
Accept an ITIN: 0; per their own site · no: 0 · unconfirmed: 1
Last checked: November 5, 2026; against each program’s official page

How to read the list

Not all help is the same

Amounts, limits and funding change: confirm with a participating lender.

Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.

On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.

Repayable

Second loan with monthly payments

The full list

Programs in Kentucky

Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.

First-time buyers only Also if you owned before Accept an ITIN

KHC Down Payment Assistance (DPA)
- Repayable
Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage

What it gives, per the source

KHC’s Down Payment Assistance (DPA) provides up to $12,500 toward your down payment and closing costs. … Repayable over a 15-year term as a secondary loan payment.

First-time buyer?

The source does not say whether you must be a first-time buyer

Accepts ITIN?

Its site does not confirm

Run by Kentucky Housing Corporation (KHC)

Verified November 5, 2026

See details Official page

Programs in other states

Help to repair your home

Repair programs in Kentucky

One program we checked in Kentucky to repair your home or make it more efficient, with what its page says.

Weatherization Assistance Program (WAP)

Run by Kentucky Housing Corporation (KHC)

Kentucky weatherization program: upgrades that cut energy use in low-income homes, through local agencies

See details

Get free help applying A HUD-approved counseling agency can go over the requirements with you, free or at low cost. See the agencies

Your county

Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.

Frequently asked questions

What is down payment assistance?

Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.

Do I need to be a first-time buyer in Kentucky?

The program on this page does not require it, or its page does not say. In general, “first-time buyer” means not having owned a home in the last three years.

Can I use these programs with an ITIN?

What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 1. Ask the participating lender directly before you start, and ask for it in writing.