Kentucky Mortgage Credit Certificate Program

Kentucky Housing Corporation

Available Down Payment

About This Program

Federal tax credit for first-time homebuyers that converts a portion of mortgage interest into a dollar-for-dollar tax credit. Credit equals 20% of annual mortgage interest, increasing buying power and reducing tax burden.

Annual tax credit equals 20% of mortgage interest paid each year

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

Key Details

  • 20% of mortgage interest as annual tax credit
  • For first-time homebuyers
  • Income limits apply by county
  • Can be claimed every year you own the home
  • Coordinate with approved lenders

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

  • Your federal tax return for the year of the work (this benefit is claimed on your taxes, not through a separate application).
  • 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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