I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 1300 Kentucky families buy their first home or refinance their current mortgage for a lower payment; Kentucky First time buyers we still how available down payment assistance with KHC. Free Mortgage applications/ same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461
Kentucky First-Time Homebuyers – Down Payment Assistance Available
Ready to buy your first home in Kentucky?
As a trusted Kentucky mortgage broker, I’ve helped over 1,300 families secure affordable financing with FHA, VA, USDA, KHC, and Conventional loans—often with no money down and same-day pre-approvals.
The Kentucky Housing Corporation (KHC) offers up to $10,000 in down payment assistance in 2025. This can make the difference between renting and owning your own home.
Based in Louisville and proudly serving buyers in every corner of Kentucky.
Unlock Your Dream Home: Kentucky Down Payment Assistance Loans for 2025 – $10,000 Grants Available
Are you a Kentuckian dreaming of homeownership but struggling to save for a down payment? You’re not alone. According to the National Association of Realtors, nearly 60% of renters cite saving for a down payment as their biggest barrier to buying a home. Fortunately, Kentucky offers life-changing down payment assistance (DPA) programs to help bridge the gap—and in 2025, eligible buyers could qualify for **up to $10,000 in forgivable grants or low-interest loans** to make homeownership a reality.
In this guide, we’ll break down everything you need to know about Kentucky’s 2025 down payment assistance programs, including eligibility criteria, application steps, and insider tips to maximize your savings. Let’s dive in!
Why Kentucky Down Payment Assistance Matters in 2025
The median home price in Kentucky hovers around $225,000, meaning a traditional 20% down payment would require $45,000 upfront—a daunting figure for many families. However, with federal and state-backed DPA programs, qualified buyers can purchase a home with as little as **0–3% down**. For 2025, Kentucky is doubling down on its commitment to affordable housing by expanding access to grants, forgivable loans, and low-interest options.
The star of the show? A **$10,000 down payment assistance grant** designed to help first-time buyers, veterans, educators, and low-to-moderate-income households. Let’s explore how this program works.
How to Apply for Kentucky Down Payment Assistance in 2025
Q: Do I have to repay the $10,000 assistance? A: Yes over 10 years at 3.75% rate works out to be around $100 a month added to your 1st mortgage payment
Q: Can I combine multiple DPA programs? A: Sometimes! For example, you might pair the $10,000 grant with a Mortgage Credit Certificate (MCC) for tax savings.
Q: Are there grants for home repairs? A: No. KHC loan cannot be used for repairs to the house. It can only be used to meet the minimum down payment requirements and pay for your closing costs and prepaids if any monies are left over after you meet the minimum down payment requirements for FHA, VA, USDA and Conventional mortgage loans
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 Local Home Loan Lender Services
First-Time Home Buyers Welcome FHA, Rural Housing (USDA), VA, and Kentucky Housing Corporation (KHC) Loans Conventional Loan Options Available Fast Local Decision-Making Experienced Guidance Through the Home Buying Process
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.
All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.
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Address: 911 Barret Ave., Louisville, KY 40204
First-Time Home Buyers Welcome
