See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 11, 2026

Homebuyer Programs in Jeffersontown, KY (2026)

Population: 28,000 | Median home price: $285,000 | Est. closing costs: $5,500 - $8,500

Jeffersontown, commonly known as J-Town, is a home rule city in Jefferson County within the Louisville Metro area, located about 12 miles southeast of downtown Louisville. With a median home price around $285,000, it offers suburban living with easy access to Louisville amenities. J-Town buyers benefit from the Louisville Metro Down Payment Assistance Program, which provides up to $25,000 as a partially forgivable loan for homes anywhere in Jefferson County. The KHC Hardest Hit Fund DPA adds up to $10,000 as a zero-interest forgivable loan exclusively for Jefferson County properties. Combined with KHC state programs offering up to $12,500 and the FHLB Cincinnati Welcome Home Program with grants of $10,000 to $20,000, Jeffersontown buyers can potentially stack $40,000 or more in total assistance.

City Programs in Jeffersontown

Program Name	Type	Amount	First-Time Only	Details
LMHA Section 8 Homeownership Program	Grant	Housing voucher subsidy applied to mortgage payment (amount varies by household)	No	View →
Louisville Metro Down Payment Assistance Program	Forgivable Loan	Up to 20% of the purchase price, maximum $30,000 (up to $40,000 with a streamlined 203(k) or VA renovation loan); 0% interest, partially forgivable second mortgage	No	View →

LMHA Section 8 Homeownership Program

Type:: Grant
Amount:: Housing voucher subsidy applied to mortgage payment (amount varies by household)
First-time only:: No

Louisville Metro Down Payment Assistance Program

Type:: Forgivable Loan
Amount:: Up to 20% of the purchase price, maximum $30,000 (up to $40,000 with a streamlined 203(k) or VA renovation loan); 0% interest, partially forgivable second mortgage
First-time only:: No

County Programs in Jefferson County

Program Name	Type	Amount	First-Time Only	Details
KHC Hardest Hit Fund Down Payment Assistance (HHF-DAP)	Forgivable Loan	Up to $10,000	Yes	View →

KHC Hardest Hit Fund Down Payment Assistance (HHF-DAP)

Type:: Forgivable Loan
Amount:: Up to $10,000
First-time only:: Yes

State Programs in Kentucky

Program Name	Type	Amount	First-Time Only	Details
FHLB Cincinnati Welcome Home Program	Grant	Grants of $10,000 to $20,000; up to $25,000 for veterans, active-duty military, and surviving spouses	Yes	View →
KHC Affordable Down Payment Assistance (Affordable DAP)	Repayable Loan	Up to $7,500	No	View →
KHC Regular Down Payment Assistance (DAP)	Repayable Loan	Up to $12,500	No	View →

FHLB Cincinnati Welcome Home Program

Type:: Grant
Amount:: Grants of $10,000 to $20,000; up to $25,000 for veterans, active-duty military, and surviving spouses
First-time only:: Yes

KHC Affordable Down Payment Assistance (Affordable DAP)

Type:: Repayable Loan
Amount:: Up to $7,500
First-time only:: No

KHC Regular Down Payment Assistance (DAP)

Type:: Repayable Loan
Amount:: Up to $12,500
First-time only:: No

Federal Programs

Program Name	Type	Amount	First-Time Only	Details
FHA Loans	Government-Insured Mortgage	Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)	No	View →
Good Neighbor Next Door (HUD)	Government Property Sale Program	50% discount off the list price of HUD-owned homes	Yes	View →
Home Possible Mortgage (Freddie Mac)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HomeReady Mortgage (Fannie Mae)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HUD $100 Down Program	FHA-Financed HUD REO Purchase	Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.	No	View →
USDA Rural Development Loans	Government-Guaranteed Mortgage	100% financing (no down payment required); loan amount up to appraised value	No	View →
VA Loans	Government-Guaranteed Mortgage	No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)	No	View →

FHA Loans

Type:: Government-Insured Mortgage
Amount:: Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:: No

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HomeReady Mortgage (Fannie Mae)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HUD $100 Down Program

Type:: FHA-Financed HUD REO Purchase
Amount:: Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:: No

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

Type:: Government-Guaranteed Mortgage
Amount:: No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:: No

Nonprofit Programs

Program Name	Type	Amount	First-Time Only	Details
Habitat for Humanity of Metro Louisville Homeownership Program	Zero-Interest Loan	Homes priced $144,000 - $280,000 with 0% interest financing	No	View →

Habitat for Humanity of Metro Louisville Homeownership Program

Type:: Zero-Interest Loan
Amount:: Homes priced $144,000 - $280,000 with 0% interest financing
First-time only:: No

Free eligibility check

14 programs available in Jeffersontown. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. The Louisville Metro DPA requires household income at or below 80% of the Area Median Income and no more than $15,000 in liquid assets. The KHC Hardest Hit Fund DPA requires first-time buyer status (no homeownership in the past three years).

Step 2: Complete homebuyer education. Louisville Metro requires a minimum 6-hour homebuyer counseling course from a HUD-approved agency. If applying with a co-applicant, both must complete the course. The Louisville Urban League at (502) 561-6830 and Neighborhood Housing Services at (502) 454-0504 are local HUD-approved counseling providers.

Step 3: Get pre-approved for a mortgage. Work with a KHC-approved lender who can help you access the KHC Hardest Hit Fund DPA of up to $10,000 and the KHC Regular Down Payment Assistance of up to $12,500 simultaneously. Ask about the FHLB Cincinnati Welcome Home Program grants as well.

Step 4: Apply for the Louisville Metro Down Payment Assistance Program. Applications are accepted during a 60-day open window each year (March 2 to April 30 for 2026). Apply through the Louisville Metro Office of Housing website. Do not miss the window.

Step 5: Find a home in Jefferson County. The Louisville Metro DPA covers existing and newly constructed homes throughout Jefferson County, including Jeffersontown. Ensure the property will be your primary residence.

Step 6: Coordinate your closing. Your lender will layer the Louisville Metro DPA, HHF-DAP, and state DPA funds together at closing. The Louisville Metro DPA is partially forgivable after 5-10 years of occupancy, and the HHF-DAP is fully forgiven after 5 years.

Frequently Asked Questions

How much down payment assistance can I get in Jeffersontown?+

Jeffersontown buyers in Jefferson County can access several layers of assistance. The Louisville Metro Down Payment Assistance Program provides up to $25,000 as a partially forgivable loan. The KHC Hardest Hit Fund DPA adds up to $10,000 as a zero-interest forgivable loan. KHC Regular Down Payment Assistance offers up to $12,500. The FHLB Cincinnati Welcome Home Program provides grants of $10,000 to $20,000 (up to $25,000 for veterans). By combining programs, eligible buyers could receive $40,000 or more in total assistance.

Do I have to be a first-time homebuyer to qualify?+

Not for all programs. The Louisville Metro DPA does not require first-time buyer status, but you may not currently own a home. The KHC Hardest Hit Fund DPA does require first-time buyer status (no homeownership in past 3 years). The KHC Affordable Down Payment Assistance is also open to repeat buyers. Habitat for Humanity of Metro Louisville typically works with first-time buyers.

What is the maximum home price I can pay in Jeffersontown?+

The Louisville Metro DPA limits assistance to 15% of the purchase price, not to exceed $25,000. KHC state programs have purchase price limits specific to Jefferson County that are updated periodically. Contact a KHC-approved lender for current limits.

What homebuyer education is required?+

The Louisville Metro DPA requires a minimum 6-hour homebuyer counseling course from a HUD-approved agency, with both applicants completing if applying jointly. The Louisville Urban League at (502) 561-6830 and Neighborhood Housing Services at (502) 454-0504 are local HUD-approved providers. The KHC HHF-DAP also requires homebuyer education.

When can I apply for the Louisville Metro DPA?+

The Louisville Metro Down Payment Assistance Program uses an annual 60-day open application window. For 2026, applications were accepted March 2 through April 30. After the window closes, applications are inaccessible until the next cycle. Plan ahead and have your homebuyer education complete and mortgage pre-approval ready before the window opens.

Is there a Habitat for Humanity option in Jeffersontown?+

Habitat for Humanity of Metro Louisville builds and rehabs homes throughout Jefferson County including Jeffersontown. Homes are priced between $144,000 and $280,000 with 0% interest financing. Homebuyers contribute 400+ hours of sweat equity. Contact Habitat for Humanity of Metro Louisville for current availability and application information.