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BEWARE:
Only use
protectmykyhome.org
and
teamkyhaf.ky.gov
when applying for mortgage assistance.
Other websites, including teamkyhaf.com, are not affiliated with the Homeowner Assistance Fund or the Kentucky Homeownership Protection Center.
Program Purpose
To assist Kentucky homeowners who have been impacted by COVID-19 avoid foreclosure or loss of utility services by providing direct relief.
Maximum Assistance
Effective with new grant agreement executions on or after Monday, October 17, 2022, qualifying applicants may receive up to $60,000 in assistance per homeowner/household.
Eligible Uses
Mortgage assistance for up to six (6) months and/or mortgage reinstatement of past due balance.
Reduce or eliminate a COVID-19 partial claim or loan deferral.
One-time reinstatement of past due, non-escrowed, property tax bills.
One-time reinstatement of past due, non-escrowed, homeowners and/or flood insurance bills.
One-time reinstatement of past due homeowner’s association/condominium dues/liens.
One-time reinstatement of past due utility (electric, gas/heat, water/sewer) bills. This is not emergency utility assistance. Application processing and review times may vary.
Funding Availability
This program anticipates operating through September 30, 2025 or until funds are exhausted.
Homeowner Eligibility
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Check Your Income Eligibility
County
Select
ADAIR
ALLEN
ANDERSON
BALLARD
BARREN
BATH
BELL
BOONE
BOURBON
BOYD
BOYLE
BRACKEN
BREATHITT
BRECKINRIDGE
BULLITT
BUTLER
CALDWELL
CALLOWAY
CAMPBELL
CARLISLE
CARROLL
CARTER
CASEY
CHRISTIAN
CLARK
CLAY
CLINTON
CRITTENDEN
CUMBERLAND
DAVIESS
EDMONSON
ELLIOTT
ESTILL
FAYETTE
FLEMING
FLOYD
FRANKLIN
FULTON
GALLATIN
GARRARD
GRANT
GRAVES
GRAYSON
GREEN
GREENUP
HANCOCK
HARDIN
HARLAN
HARRISON
HART
HENDERSON
HENRY
HICKMAN
HOPKINS
JACKSON
JEFFERSON
JESSAMINE
JOHNSON
KENTON
KNOTT
KNOX
LARUE
LAUREL
LAWRENCE
LEE
LESLIE
LETCHER
LEWIS
LINCOLN
LIVINGSTON
LOGAN
LYON
MADISON
MAGOFFIN
MARION
MARSHALL
MARTIN
MASON
MCCRACKEN
MCCREARY
MCLEAN
MEADE
MENIFEE
MERCER
METCALFE
MONROE
MONTGOMERY
MORGAN
MUHLENBERG
NELSON
NICHOLAS
OHIO
OLDHAM
OWEN
OWSLEY
PENDLETON
PERRY
PIKE
POWELL
PULASKI
ROBERTSON
ROCKCASTLE
ROWAN
RUSSELL
SCOTT
SHELBY
SIMPSON
SPENCER
TAYLOR
TODD
TRIGG
TRIMBLE
UNION
WARREN
WASHINGTON
WAYNE
WEBSTER
WHITLEY
WOLFE
WOODFORD
Total number of individuals living in the household?
Total annual household income for 2024 (before taxes and deductions)
$
(OR)
Monthly Income (Amount earned over the last 30 days before taxes and deductions)
$
Eligibility does not guarantee approval of funds.