KHC Down Payment Assistance Program

Kentucky Housing Corporation

Available Home Repair

About This Program

KHC Down Payment Assistance Program is available in Louisville, KY.

Second mortgage providing up to $12,500 toward down payment and closing costs for Kentucky homebuyers. Available in $100 increments at 4.75% fixed rate over 15 years. No liquid asset review required and no cap on borrower reserves.

Repayable second mortgage at 4.75% over 15 years; available through KHC-approved lenders

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Louisville, KY, you can combine this program with other local help to cut your cost:

Key Details

  • Up to $12,500 for down payment and closing costs
  • 15-year repayable second mortgage at 4.75% fixed rate
  • Available to first-time and repeat buyers statewide
  • No liquid asset review or cap on borrower reserves
  • Apply through any KHC-approved lender

How to Apply

Get free help applying Visit Official Program Page Track this program

502-564-7630

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Louisville early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

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).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • 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 through KHC-approved lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can KHC Down Payment Assistance Program provide in Louisville, KY?

Up to $12,500.

How do I apply for KHC Down Payment Assistance Program in Louisville, KY?

Apply directly with Kentucky Housing Corporation using the official program link on this page or call 502-564-7630. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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