Kentucky Homeownership Production Program

Kentucky Housing Corporation

Available Down Payment

About This Program

Down payment and closing cost assistance for first-time and repeat homebuyers in Kentucky. Combined with below-market interest rate mortgage. Loan is forgiven after 10 years or can be repaid if home is sold or refinanced earlier.

Forgivable loan for down payment and closing costs, forgiven after 10 years

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Up to $15,000 for down payment and closing costs
  • Forgivable loan, forgiven after 10 years
  • Combined with competitive interest rate
  • For moderate-income homebuyers
  • First-time and repeat buyers eligible

How to Apply

A grant-savvy contractor in Paducah, KY can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Contact participating lenders for availability

Questions about this program?

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