Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 2024 Income Limits Kentucky Welcome Home Grant, 2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000, 2025 include Conventional Loans, FHA, VA, USDA, and Kentucky Housing Corporation (KHC) Down Payment Assistance programs, down payment grant, Grants And Down payment Assistance

The income limits for the Kentucky Welcome Home Grant

2025 Income Limits Kentucky Welcome Home Grant 


1 –  Email – kentuckyloan@gmail.com 2.   Call/Text – 502-905-3708

Joel Lobb
Mortgage Loan Officer – Expert on Kentucky Mortgage Loans


🌐 Website: www.mylouisvillekentuckymortgage.com
🏢 Address: 911 Barret Ave., Louisville, KY 40204

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 Welcome Home Grant
Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 2024 Income Limits Kentucky Welcome Home Grant, 2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000, down payment grant, Grants And Down payment Assistance

Home Buying Grants in Kentucky: A Guide for Prospective Homeowners

How to buy a house in Kentucky with Zero Down Payment Mortgage Loan

Kentucky offers several grant programs

Kentucky offers several grant programs to help residents achieve their dream of homeownership. These programs provide financial assistance to eligible buyers, making the purchase of a home more affordable. Here’s an overview of the current grant options available to Kentucky homebuyers:

1. Kentucky Housing Corporation (KHC) Down Payment Assistance Program

The KHC offers up to $10,000 in down payment assistance to eligible first-time homebuyers. This program can be used in conjunction with KHC’s first mortgage loans.

Eligibility:

  • Must be a first-time homebuyer or not have owned a home in the past three years
  • Meet income and purchase price limits, which vary by county
  • Complete a homebuyer education course

2. Kentucky Affordable Housing Trust Fund

This program provides funds to create or preserve affordable housing for low-income households. While not a direct grant to homebuyers, it can help create affordable housing opportunities.

3. USDA Rural Development Grant

Although not specific to Kentucky, this federal program is available in many rural areas of the state.

Key features:

  • Provides loans and grants for low-income individuals in rural areas
  • Can be used for home purchases or repairs
  • Income limits and location restrictions apply

4. Louisville Metro Down Payment Assistance Program

Specific to Louisville, this program offers forgivable loans of up to $25,000 to help with down payment and closing costs.

Eligibility:

  • Must be a first-time homebuyer
  • Income must be at or below 80% of the area median income
  • Property must be located within Louisville Metro

5. Lexington Homeownership Assistance Program

This program, specific to Lexington, provides up to $15,000 in down payment and closing cost assistance.

Eligibility:

  • Must be a first-time homebuyer
  • Income must be at or below 80% of the area median income
  • Property must be located within Lexington-Fayette Urban County

6. Individual Development Account (IDA) Program

While not exclusive to homebuying, this program can help prospective homeowners save for a down payment.

Key features:

  • Provides matching funds for savings (typically $2 for every $1 saved)
  • Can be used for homeownership, education, or starting a small business
  • Income and asset limits apply

How to Apply

To apply for these grants, contact the respective program administrators:

  1. For KHC programs: Visit www.kyhousing.org
  2. For USDA Rural Development: Visit www.rd.usda.gov/ky
  3. For city-specific programs: Contact your local housing authority or visit the city’s official website

Remember that grant availability and terms may change, so it’s essential to check with the program administrators for the most up-to-date information. Additionally, many of these programs require participants to complete homebuyer education courses, which can provide valuable information about the homebuying process.

By taking advantage of these grant programs, Kentucky residents can make their dream of homeownership more attainable. Be sure to explore all options and consult with housing counselors or financial advisors to determine the best path to homeownership for your specific situation.

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 2024 Income Limits Kentucky Welcome Home Grant, 2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000

2024 Income Limits Kentucky Welcome Home Grant 

2024 Income Limits Kentucky Welcome Home Grant 

2024 Income Limits

 

 

 
   

 

 

 

 

Kentucky

Use the 80% limits for the Welcome Home Program

Use the 100% limits for the Disaster Reconstruction Program

 

 

 

100% limits

80% limits

 

 

1-2 Persons

3 + Persons

1-2 Persons

3 + Persons

Adair

$               78,600

$               90,390

$             62,880

$               72,312

Allen

$               78,600

$               91,420

$             62,880

$               73,136

Anderson

$               86,270

$               99,210

$             69,016

$               79,368

Ballard

$               80,400

$               93,800

$             64,320

$               75,040

Barren

$               78,600

$               90,390

$             62,880

$               72,312

Bath

$               94,320

$             110,040

$             75,456

$               88,032

Bell

$               94,320

$             110,040

$             75,456

$               88,032

Boone

$             101,100

$             116,265

$             80,880

$               93,012

Bourbon

$               89,300

$             102,695

$             71,440

$               82,156

Boyd

$               83,040

$               96,880

$             66,432

$               77,504

Boyle

$               80,760

$               94,220

$             64,608

$               75,376

Bracken

$             101,100

$             116,265

$             80,880

$               93,012

Breathitt

$               94,320

$             110,040

$             75,456

$               88,032

Breckinridge

$               87,410

$             100,521

$             69,928

$               80,417

Bullitt

$               89,700

$             103,155

$             71,760

$               82,524

Butler

$               78,600

$               91,420

$             62,880

$               73,136

Caldwell

$               84,480

$               98,560

$             67,584

$               78,848

Calloway

$               82,560

$               96,320

$             66,048

$               77,056

Campbell

$             101,100

$             116,265

$             80,880

$               93,012

Carlisle

$               78,600

$               90,860

$             62,880

$               72,688

Carroll

$               78,600

$               90,390

$             62,880

$               72,312

Carter

$               94,320

$             110,040

$             75,456

$               88,032

Casey

$               94,320

$             110,040

$             75,456

$               88,032

Christian

$               87,590

$             100,728

$             70,072

$               80,582

Clark

$               89,300

$             102,695

$             71,440

$               82,156

Clay

$               94,320

$             110,040

$             75,456

$               88,032

Clinton

$               94,320

$             110,040

$             75,456

$               88,032

Crittenden

$               83,760

$               97,720

$             67,008

$               78,176

Cumberland

$               78,600

$               90,390

$             62,880

$               72,312

Daviess

$               86,950

$               99,992

$             69,560

$               79,994

Edmonson

$               86,650

$               99,647

$             69,320

$               79,718

Elliott

$               94,320

$             110,040

$             75,456

$               88,032
             

 

 

County

100% limits

80% limits

1-2 Persons

3 + Persons

1-2 Persons

3 + Persons

Estill

$             94,320

$           110,040

$             75,456

$             88,032

Fayette

$             89,300

$           102,695

$             71,440

$             82,156

Fleming

$             78,600

$             90,390

$             62,880

$             72,312

Floyd

$             94,320

$           110,040

$             75,456

$             88,032

Franklin

$             85,430

$             98,244

$             68,344

$             78,595

Fulton

$             78,600

$             90,390

$             62,880

$             72,312

Gallatin

$           101,100

$           116,265

$             80,880

$             93,012

Garrard

$             87,210

$           100,291

$             69,768

$             80,233

Grant

$             79,560

$             92,820

$             63,648

$             74,256

Graves

$             83,160

$             97,020

$             66,528

$             77,616

Grayson

$             78,600

$             90,390

$             62,880

$             72,312

Green

$             78,600

$             90,390

$             62,880

$             72,312

Greenup

$             83,040

$             96,880

$             66,432

$             77,504

Hancock

$             86,950

$             99,992

$             69,560

$             79,994

Hardin

$             86,750

$             99,762

$             69,400

$             79,810

Harlan

$             94,320

$           110,040

$             75,456

$             88,032

Harrison

$             87,250

$           100,337

$             69,800

$             80,270

Hart

$             78,600

$             90,390

$             62,880

$             72,312

Henderson

$             87,300

$           100,395

$             69,840

$             80,316

Henry

$             89,700

$           103,155

$             71,760

$             82,524

Hickman

$             79,560

$             92,820

$             63,648

$             74,256

Hopkins

$             80,640

$             94,080

$             64,512

$             75,264

Jackson

$             94,320

$           110,040

$             75,456

$             88,032

Jefferson

$             89,700

$           103,155

$             71,760

$             82,524

Jessamine

$             89,300

$           102,695

$             71,440

$             82,156

Johnson

$             94,320

$           110,040

$             75,456

$             88,032

Kenton

$           101,100

$           116,265

$             80,880

$             93,012

Knott

$             94,320

$           110,040

$             75,456

$             88,032

Knox

$             94,320

$           110,040

$             75,456

$             88,032

Larue

$             86,750

$             99,762

$             69,400

$             79,810

Laurel

$             78,600

$             90,390

$             62,880

$             72,312

Lawrence

$             94,320

$           110,040

$             75,456

$             88,032

Lee

$             94,320

$           110,040

$             75,456

$             88,032

Leslie

$             94,320

$           110,040

$             75,456

$             88,032

Letcher

$             94,320

$           110,040

$             75,456

$             88,032

Lewis

$             94,320

$           110,040

$             75,456

$             88,032

Lincoln

$             78,600

$             90,390

$             62,880

$             72,312

Livingston

$             82,320

$             96,040

$             65,856

$             76,832

Logan

$             80,760

$             94,220

$             64,608

$             75,376

Lyon

$             87,310

$           100,406

$             69,848

$             80,325

 

 

County

100% limits

80% limits

1-2 Persons

3 + Persons

1-2 Persons

3 + Persons

McCracken

$             87,130

$           100,199

$               69,704

$             80,159

McCreary

$             94,320

$           110,040

$               75,456

$             88,032

McLean

$             86,950

$               99,992

$             69,560

$             79,994

Madison

$             86,910

$               99,946

$             69,528

$             79,957

Magoffin

$             94,320

$           110,040

$               75,456

$             88,032

Marion

$               80,760

$               94,220

$             64,608

$             75,376

Marshall

$               86,030

$               98,934

$             68,824

$             79,147

Martin

$               94,320

$           110,040

$               75,456

$             88,032

Mason

$             85,920

$           100,240

$               68,736

$             80,192

Meade

$               85,790

$               98,658

$             68,632

$             78,926

Menifee

$               94,320

$           110,040

$               75,456

$             88,032

Mercer

$               86,730

$               99,739

$             69,384

$             79,791

Metcalfe

$               94,320

$           110,040

$               75,456

$             88,032

Monroe

$               78,600

$               90,390

$             62,880

$             72,312

Montgomery

$             78,600

$               91,140

$             62,880

$             72,912

Morgan

$               94,320

$           110,040

$               75,456

$             88,032

Muhlenberg

$             78,600

$               91,700

$             62,880

$             73,360

Nelson

$               85,170

$               97,945

$             68,136

$             78,356

Nicholas

$               78,600

$               90,860

$             62,880

$             72,688

Ohio

$               78,600

$               90,390

$             62,880

$             72,312

Oldham

$             89,700

$           103,155

$               71,760

$             82,524

Owen

$               78,600

$               91,700

$             62,880

$             73,360

Owsley

$               94,320

$           110,040

$               75,456

$             88,032

Pendleton

$           101,100

$           116,265

$               80,880

$             93,012

Perry

$               94,320

$           110,040

$               75,456

$             88,032

Pike

$               94,320

$           110,040

$               75,456

$             88,032

Powell

$               94,320

$           110,040

$               75,456

$             88,032

Pulaski

$             78,600

$               90,390

$             62,880

$             72,312

Robertson

$             94,320

$           110,040

$               75,456

$             88,032

Rockcastle

$             94,320

$           110,040

$               75,456

$             88,032

Rowan

$             94,320

$           110,040

$               75,456

$             88,032

Russell

$             78,600

$               90,860

$             62,880

$             72,688

Scott

$               89,300

$           102,695

$               71,440

$             82,156

Shelby

$               92,700

$           106,605

$               74,160

$             85,284

Simpson

$             82,920

$               96,740

$             66,336

$             77,392

Spencer

$               89,700

$           103,155

$               71,760

$             82,524

Taylor

$             78,600

$               90,390

$             62,880

$             72,312

Todd

$             78,600

$               90,390

$             62,880

$             72,312

Trigg

$               87,590

$           100,728

$               70,072

$             80,582

Trimble

$               86,770

$               99,785

$             69,416

$             79,828

 

 

100% limits

80% limits

 

 

 

 

Union

$             78,600

$             91,420

$             62,880

$             73,136

Warren

$             86,650

$             99,647

$             69,320

$             79,718

Washington

$             87,090

$           100,153

$             69,672

$             80,122

Wayne

$             94,320

$           110,040

$             75,456

$             88,032

Webster

$             78,600

$             90,390

$             62,880

$             72,312

Whitley

$             94,320

$           110,040

$             75,456

$             88,032

Wolfe

$             94,320

$           110,040

$             75,456

$             88,032

Woodford

$             89,300

$           102,695

$             71,440

$             82,156

 

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000

2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000

2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000
2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000
2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000