See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 11, 2026
Homebuyer Programs in Radcliff, KY (2026)
Radcliff is a Hardin County city of about 24,000 residents located just outside the main gate of Fort Knox, making it home to one of the largest concentrations of military veterans in Kentucky. With a median home price around $166,000, Radcliff offers very affordable homeownership opportunities. Buyers in Radcliff can access the KHC Hardest Hit Fund Down Payment Assistance program, which provides up to $10,000 as a zero-interest, forgivable second mortgage specifically available in Hardin County. The KHC Regular DAP offers up to $12,500 in additional down payment assistance, and the FHLB Cincinnati Welcome Home Program provides grants of $10,000 to $25,000. Hardin County Habitat for Humanity has built over 73 homes with local families and offers zero-interest, 25-year mortgages. Veterans near Fort Knox may also benefit from VA loan programs requiring zero down payment. By stacking county-specific, state, and federal programs, Radcliff homebuyers can significantly reduce their upfront costs.
County Programs in Hardin 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 → |
- 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 → |
- 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
- Type:
- Repayable Loan
- Amount:
- Up to $7,500
- First-time only:
- No
- 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 → |
- 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
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- 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
- 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
- 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
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- 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 |
|---|---|---|---|---|
| Hardin County Habitat for Humanity Homeownership | Zero-Interest Loan | Affordable home purchase with below-market mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with below-market mortgage
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The KHC Hardest Hit Fund DAP is specifically available in Hardin County and requires first-time buyer status (no home ownership in the last 3 years), completion of homebuyer education, and meeting income and purchase price limits. KHC Regular DAP income limits vary by county and household size.
Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required for most KHC programs. Contact the Kentucky Housing Corporation at 800-633-8896 for referrals to approved education providers serving the Hardin County area.
Step 3: Find a KHC-approved lender. Kentucky Housing Corporation works through participating lenders who can help you access the Hardest Hit Fund DAP (up to $10,000 forgivable), the Regular DAP (up to $12,500), and the Affordable DAP (up to $7,500).
Step 4: Explore VA loan options. With Fort Knox nearby, many Radcliff residents are veterans or active-duty military eligible for VA loans with zero down payment. The FHLB Cincinnati Welcome Home Program also offers enhanced grants of up to $25,000 for veterans and active-duty military.
Step 5: Contact Hardin County Habitat for Humanity. If you need additional affordable housing options, contact Hardin County Habitat for Humanity about their homeownership program. They have built over 73 homes in the county and offer zero-interest, 25-year mortgages for qualifying families.
Step 6: Get pre-approved and find a home. Work with your lender to get pre-approved. The HHF-DAP requires the property to be an existing home (not new construction) located in Hardin County.
Step 7: Submit your application and close. Your lender will guide you through the final steps. The HHF-DAP provides a zero-interest, forgivable second mortgage with a 5-year term, meaning the loan is forgiven after 5 years of owner-occupancy.
Frequently Asked Questions
How much down payment assistance can I get in Radcliff?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the Hardest Hit Fund Down Payment Assistance?+−
Are there special programs for military families in Radcliff?+−
How does Habitat for Humanity work in Hardin County?+−
What is the maximum home price I can pay?+−
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