Here you can find information and assistance if you need help with housing. There are public housing resources, utility payment assistance, and help with the impacts of COVID-19. This information is intended mainly for housing authorities and government entities, with some exceptions.

Description: Apply for up to $35,000 in assistance to help with delinquent mortgage payments, property taxes, homeowner’s and/or flood insurance, homeowners association fees and utility costs. If approved, the funds will be paid as a grant directly to mortgage servicers, utility companies, county property tax administrators, insurance agencies or homeowners associations.

Eligibility: Qualifying homeowners

Dates: The program is available until all funds are expended or Sept. 30, 2025, whichever comes first.

Description: Housing Programs give families and individuals the opportunity to buy, build, repair, or own safe and affordable homes located in rural America. Low interest, fixed-rate Homeownership loans are provided to qualified persons directly by USDA Rural Development. Financing is also offered at fixed-rates and terms through a loan from a private financial institution and guaranteed by USDA Rural Development for qualified persons. Neither one of these home loan programs require a down payment.

Eligibility: Eligibility for these loans, loan guarantees, and grants is based on income and varies according to the average median income for each area. Information regarding this program can be found on their website. If interested, applicant must contact local Rural Development Office. For Kentucky, that number is 859-224-7300.

Dates: Year-round.

Description: This program works to provide affordable multi-family rental housing in rural areas by financing projects geared for low-income, elderly and disabled individuals and families as well as domestic farm laborers. Programs include:

  • Farm Labor Direct Loans & Grants
  • Housing Preservation & Revitalization Demonstration Loans & Grants
  • Housing Preservation Grants
  • Multi-Family Housing Direct Loans
  • Multi-Family Housing Loan Guarantees
  • Multi-Family Housing Rental Assistance

Eligibility: Depends on program. Visit website to see specifics.

Dates: Year-round.

Description: The Section 502 Guaranteed Loan Program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may purchase, build, rehabilitate, improve or relocate a dwelling in an eligible rural area with 100% financing. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural homebuyers.

Eligibility: Must meet income eligibility (cannot exceed 115% of median household income). Must agree to personally occupy the dwelling as their primary residence. Must be a U.S. citizen, non-citizen national, or qualified alien.

Closing Date: None