Housing Assistance in Kentucky

The overwhelming amount of saturated and irrelevant information on the net has made it increasingly difficult for single mothers to find housing resources tailored to their needs. Consequently, we have written this detailed article to help single mothers find the perfect solution to their housing issues.

Kentucky Housing Corporation

The Kentucky Housing Corporation works to help struggling families, individuals, as well as single mothers purchase affordable homes. They achieve this by identifying the various pain points of buying a home. The KHC offers down payment assistance, cash grants, loan schemes and more. Since there are various types of assistance and grants, each category has its own eligibility criteria. You can find out more at: https://www.kyhousing.org/Pages/default.aspx

The Emergency Solutions Grant Program

The Emergency Solutions Grant is a safe haven for individuals, including single mothers who are sheltered or unsheltered homeless residents. This scheme allows individuals to quickly get back on their feet by supplying permanent housing, funds and other forms of aid. Additionally, the project also aims to reduce the percentage of homeless citizens by funding a number of preventive services and projects. To get more information on the ESG, go to https://www.kyhousing.org/Programs/Homeless-Programs/Pages/Emergency-Solutions-Grant.aspx

The Low Income Home Energy Assistance Program

Not being able to pay your utility bills isn’t just a hurdle, but it’s also unsafe, especially for the elderly and children under the age of six. For this reason, the Low Income Home Energy Assistance, an initiative funded by the federal government, helps families, individuals and single moms pay their home energy bill. To be eligible, your annual income should not exceed the maximum income as stated on their website at https://www.benefits.gov/benefit/1539

The following types of assistance are offered:

  • A portion of your bills will be paid.
  • You’ll get assistance during an energy crisis.
  • Home repairs related to energy, and weatherization.

Together Lawyers

If you’re in need of legal aid regarding eviction and other housing related issues, you can seek aid from Together Lawyers which is a coalition of volunteer lawyers that works hand in hand with Kentucky’s four legal aid programs.  More information on Together Lawyers can be found at https://www.klaid.org/together-lawyers-can

The Kentucky Balance of State Continuum of Care

The Kentucky Balance of State Continuum of Care is a venture that addresses homelessness through the continuous supply of housing projects and services.  They provide emergency shelter services, temporary or transitional housing, as well as permanent housing support. The venture helps eligible candidates through direct fund contributions or other technical assistance.  Read more on the Kentucky Balance of State Continuum of Care at https://www.kyhousing.org/Partners/Continuum-of-Care/Pages/default.aspx

The Homeless and Housing Coalition of Kentucky

Single moms who are currently on the verge of being homeless or are already homeless may contact the Homeless and Housing Coalition of Kentucky to receive housing vouchers and permanent housing solutions. The following are the criteria to determine eligibility:

  • You are homeless- you live in a shelter, outdoors or in your car
  • Your current living arrangements are no longer safe

As part of the program, candidates may receive rental assistance for up to a year, monthly payment and a lease in their name. Find out more at https://www.hhck.org/

The South Louisville Community Ministries

The South Louisville Community Ministries was founded by a group of churches within the community of south Louisville. Its objective is to uplift the community by supplying food, clothing and above all housing and rent assistance. Although it initially started its venture to help the people in the community, it has expanded its operations to help people across the region.  Get in contact with them at https://slcm.org/

The Section 8 Voucher Program

In a nutshell, the Section 8 voucher program helps both tenants and landlords.  Tenants and landlords apply together for financial aid through the section 8 voucher programs and what happens thereafter is that if the application is approved, the tenant will only be responsible for a portion of their rent and the initiative will take care of the other portion.  More on the section 8 scheme can be read at https://www.hud.gov/states/kentucky/renting

Team Kentucky Fund

Qualifying residents can get vouchers of up to $1000 per household to assist in paying rent, as well as other expenses like groceries, and utility costs.  To see if you qualify for the scheme, visit https://teamkyfund.ky.gov/

The Louisville Down Payment Assistance Program

Though it’s named after the city of Louisville, this program strives to help individuals all over Kentucky realize their dreams of becoming homeowners.  The program pays a portion of down payments and closing costs incurred in taking out a mortgage loan. It’s aimed at low to moderate income citizens. Some of the requirements to be eligible for the aid are the following:

  • Although it’s open to anyone living in Kentucky, you have to be looking to purchase an existing or newly built home in the Louisville area.
  • Your annual income must not exceed 80% of the average income in the area.
  • You should not be in possession of more than $15 000 in liquid assets.

Get in touch at https://www.fha.com/fha-grants?state=KY

Section 504 Home Repair Program

The Section 504 Home Repair  targets the elderly and low-income homeowners who are in need of repairing, improving, weatherising or modernizing their home but lack the funds to do so. Eligible candidates are given loans at low interest rates and longer repay terms. You can read more on the qualifying requirements and terms of loan at: https://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants/ky

The Louisville Metro Housing Authority

The Louisville Metro Housing Authority is a state-owned agency that provides low cost housing and apartments to citizens in the area, with the objective of promoting financial independence in the community. This is their website: http://www.lmha1.org/