Kentucky Welcome Home Grant 2026
Up to $20,000 in Non-Repayable Down Payment & Closing Cost Assistance for Kentucky Homebuyers
💰 How Much Down Payment Assistance Can You Get?
Up to $20,000
Maximum grant per eligible homebuyer
Non-Repayable
No repayment required if you stay 5 years
Down Payment & Closing Costs
Use funds for both—get into your home faster
Grant Range
Minimum: $10,000 | Maximum: $20,000 per eligible homebuyer
Your specific grant amount is based on documented need and program guidelines. Funds cover down payment and/or closing costs—whatever helps you most.
✓ Who Qualifies for the Welcome Home Grant?
Check Your County’s 2026 Income Eligibility
Your household income (all adults living in the home) must be 80% or less of the Mortgage Revenue Bond (MRB) limit for your county. Select your county below to see the income limits:
📋 Full official list: Download 2026 MRB Income Limits PDF | We verify your exact limit during pre-approval.
Other Key Eligibility Requirements
- Not just for first-time buyers – Repeat buyers qualify if income-eligible.
- Your own contribution: You must put at least $500 of your own funds (not gifted) toward down payment/closing costs.
- Credit score: No program minimum, but depends on your mortgage type (FHA 580+, Conventional 620+). We’ll build the strongest file possible.
- Primary residence only: Property must be in Kentucky and be your primary home (single-family, townhome, condo, duplex/4-unit, or qualifying manufactured homes). No investment or second homes.
- 5-year residency: Live in the home for 5 years. If sold or refinanced early, prorated repayment may apply.
📝 How to Apply for the 2026 Welcome Home Grant
Step 1: Get Pre-Approved
Work with a participating FHLB Cincinnati member lender (like me) and get pre-approved for your mortgage. Verify income/eligibility early.
Step 2: Find Your Home
Find a home and get a fully executed purchase contract. This is required to reserve grant funds.
Step 3: Reserve Your Grant
Your lender reserves the grant via the FHLB portal on/after April 6, 2026. Remember: funds are first-come, first-served!
Step 4: Close Your Loan
Close your loan. The grant is disbursed at closing to cover down payment and closing costs.
⚡ Pro Tip:
Funds move fast—start your pre-approval now and get your documentation ready. The faster you can get an offer on a home, the better your chance of securing grant funding when April 6th opens.
📅 2026 Timeline & Key Dates
Important Dates
- April 6, 2026 at 8:00 a.m. ET: Reservations open. First-come, first-served.
- March 2026: Documents and forms become available.
- 2026 Lender Cap: Each lender can reserve up to $300,000 in grants.
- December 15, 2026: Final payment requests must be submitted.
Bottom line: Be ready with pre-approval and documentation before April 6th to maximize your chances of getting approved.
🚀 Ready to Get Started?
Your Pre-Approval Checklist
- Contact Joel Lobb for pre-approval and eligibility check.
- Gather income documents (recent paystubs, W-2s, tax returns).
- Check your county’s income limit using the selector above.
- Complete homebuyer education if required (often needed for certain loans).
- Get offer-ready with a purchase contract when you find your home.
Don’t Miss Out on Up to $20,000 in Assistance
April 6, 2026 is here—funds are limited and first-come, first-served. Get pre-approved today and be ready to secure your grant immediately.
Email Joel Call/Text📞 Contact Joel Lobb – Kentucky Mortgage Expert
EVO Mortgage | Company NMLS #1738461 | Personal NMLS #57916
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