This initiative, offered by the Kentucky Association of Counties, allows eligible applicants to receive a grant to help pay for a reduction of the principal mortgage amount, the down payment, or closing costs.

As much as 5% of the loan amount is offered. This grant works in combination with a mortgage.

In order to be applicable, individuals must have a credit score no lower than 640, fall within an income limit of 115% of the area median income, and meet credit and federal standards.

This program is available anywhere in Kentucky state. However, the lender must be a participating partner of the program.

Other programs in Kentucky:

• Covington Homebuyer Assistance Program
• Hardest Hit Fund Down Payment Assistance
• Louisville Down Payment Assistance Program

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