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Homeownership Program

PLEASE READ: The homebuyer application period will close on July 31, 2024 at 5:00 p.m. Applications submitted after 5:00 p.m. will not be processed.

We are only accepting applications from those willing to purchase a single family style attached townhome on 628 Maple Ave at this time. All other applications received will not be processed. 

About The Homeownership Program

Through new construction and remodeled homes we offer a wide variety of quality, energy- efficient affordable housing opportunities in Lexington, Kentucky to qualified families.


For more information on our application period or for questions contact Catherine Mitchell at (859) 252-2224 Ext. 130 or


Program Requirements

Applicants Must Demonstrate the Following:

1. Substantial need for housing. Your housing must present one or more of the following issues:

  • Substandard – problems with heat, water, electricity, structure

  • Insufficient space – lacking enough bedrooms for the number of people in the household

  • Dangerous – located in unsafe or unsanitary living conditions

  • Inadequate – not suited for a family member who has a limitation

  • Subsidized for an extended period of time


2. Ability to Pay

  • Your income source(s) are consistent and show an ability to pay an affordable mortgage, utilities and home maintenance costs

  • Your income will allow you to pre-pay $1,500 towards loan closing costs

  • Your credit report and current debts are satisfactory


3. Willingness to partner with LHFH

  • Completing the application on time with all the requested information

  • Be willing to move to a new location within Lexington

  • Agree to complete sweat equity hours

  • Show that the homebuyer is ready for the responsibilities of owning and maintaining a home and yard

Requirements to Purchase a Lexington Habitat Home:

  • U.S. Residency – You must provide proof of U.S. citizenship or legal residency through a birth certificate, passport,  permanent resident card, I-94 card, or other documentation provided by the U.S. government.

  • Local Residency/ Work History – You must have lived or worked in Fayette County, KY for one continuous year prior to application.

  • Monthly Income – Your gross monthly income must be at least $2,400 per month. Annual income from current sources must have been at least $28,800 for the 12 months prior to application. You must have been at the same job/had same income source for one year or had consistent income for two years prior to application.

  • Satisfactory Credit – Your credit report and current debt must be satisfactory. We will obtain your credit report and review it with you to see if you are eligible to proceed. Bankruptcy filings must have been discharged a minimum of three years prior to your application. Any foreclosures must have been settled at least 5 years prior to your application. Collection and charge off debt cannot exceed $2,000.

  • Have a total household income which does not exceed 60% of the median income for similar size families in Fayette County

  • Household Size/Maximum Income (Updated May 2024):

Household of 1: $40,020

Household of 2: $45,720

Household of 3: $51,420

Household of 4: $57,120

Household of 5: $61,740

Household of 6: $66,300

Household of 7: $70,860

Household of 8: $75,420

Returning Your Application

Completed applications can be returned in one of the following ways: 

Mailing to or placing in a drop box at 700 E Loudon Ave Lexington, KY 40505

Fax: 859-252-0545


Additional information will be provided to you after the pre-application is reviewed. All forms received will be reviewed and a response will be mailed within 30 days. 

Equal Housing Opportunity

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, D.C. 20580.

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