The federal government offers several programs to first time home buyers within Kentucky through the U.S. Department of Housing and Urban Development. Every potential first time home buyer should investigate what they have to offer. With an ever changing loan and grant program lineup, they can’t all be listed here, but we have listed a few below to get you started. For an up to date list please contact us below!


  • Insured by the Federal Housing Administration.
  • Down payments as little as 3.5 percent.
  • Can use downpayment assistance programs (DAP) for 3.5 percent down payment requirement.
  • Upfront and monthly mortgage insurance.
  • Minimum credit score of 640.
  • 203K


    USDA/Rural Housing