Kentucky Down Payment Assistance Program

Kentucky Housing Corporation

Available Down Payment

About This Program

Second mortgage loan to help with down payment and closing costs for first-time homebuyers. Fully forgiven after 10 years of continued occupancy. Must be used with KHC first mortgage or approved lender.

Forgivable loan, no repayment if you stay in the home 10 years

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

Key Details

  • Up to $6,000 for down payment and closing costs
  • For first-time homebuyers
  • Forgivable after 10 years
  • Income and purchase price limits apply
  • Must use approved lender

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 633-8896

A grant-savvy contractor in Radcliff, 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).
Download this checklist (PDF)

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: Ongoing while funds available

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