Kentucky Housing Resources

National Programs:

Freddie Mac Home Possible 100% Financing Program

HUD Good Neighbor Next Door Program

IRS Qualifying for Mortgage Credit Certificate

Professional Organizations:

International Association of Fire Fighters Mortgage Program

National Association of Nurses - Mortgage

National Education Association Member Finance Programs

National Association of Police Organizations - Mortgages

State and Local Programs

American Dream Down Payment Assistance
The American Dream Down Payment Act is a down payment assistance initiative that allows grants to be given to participating jurisdictions to assist low-to-mid-income families and uniformed employees such as, policemen, firemen, sanitation, maintenance workers, and teachers who are employees of the participating state to achieve homeownership.

Community Ventures Corporation Kentucky Home Financing

The Kentucky Housing Corporation Kentucky Housing Corporation, created by the 1972 General Assembly, is a self-supporting, public corporation of the Commonwealth of Kentucky. KHC has made homeownership possible for over 55,000 low- and moderate-income Kentucky families. KHC also operates through the receipt of fees for administering federal programs including rental assistance that makes safe, decent, affordable housing available to more than 27,000 low-income Kentuckians. Other programs additionally offered by KHC include rental housing production financing, homeownership education/counseling and a variety of rental assistance, housing rehabilitation and home repair initiatives.
Homeownership Programs
Counseling Resources

Federal Home Loan Bank of Cincinnati - serves Kentucky residents by offering various home buying programs including Welcome Home grants. For more information, you may call 1 (888) 345-2246

Kentucky Area Development Districts (ADDs) - contact your local ADD to find out more about local home buying programs

Kentucky Association for Community Action - helps to fund housing programs for low-income residents

Federal Appalachian Housing Enterprise (FAHE) - provides housing assistance in rural, low-income, Appalachian communities

Housing Partnership, Inc. - provides affordable housing services for residents of Jefferson County

Secondary financing/down payment assistance programs are listed by state

HUD Community Development Block Grants (CDBG) - Kentucky contacts - HUD provides grant money to communities and those funds may be used to assist homebuyers

HUD HOME Program - Kentucky contacts - HUD provides grant money to communities designated as participating jurisdictions for assisting homebuyers, rental assistance, and other housing initiatives

USDA Rural Development - programs that reduce the cost of homeownership for low and moderate-income