Fayette, Kentucky · Loan
Lexington Emergency Housing Repair Program
Run by Lexington-Fayette Urban County Government, Division of Grants and Special Programs
Income-qualified homeowners in Lexington-Fayette County can get a one-year deferred loan of $500 to $9,800 from the city to fix emergency problems with heating and air conditioning, electrical or plumbing systems. No monthly payments; a mortgage stays on the home for one year.
Amounts
How much you get
A deferred loan of $500 to $9,800, sized to the cost of the emergency repair. Nothing is paid back while the loan is deferred; a mortgage is placed on the property for a one-year period.
Eligibility
Do I qualify?
You need to meet all 6 of these.
Your home is in Fayette, Kentucky.
You must own the home and live in it. Homes with more than one owner qualify if at least one owner lives there; owners who don't live there must also sign the mortgage.
Household income, by family size, at or below 80% of area median income (HUD limits). Only the income of the owner living in the home counts.
You can't have received emergency repair assistance before, or city rehabilitation assistance more than twice.
You must have clear title, no outstanding debts to LFUCG, and no major LFUCG Code Enforcement violations on the home.
The problem must be an emergency as determined by city staff. Storm damage and repairs covered by homeowner's or hazard insurance are not eligible.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Request or submit a preliminary application.
Call Grants and Special Programs at (859) 258-3070 to have one mailed, or use the online preliminary application.
- Gather documents and schedule a financial interview.
A financial specialist reviews your documents.
- Inspection and estimate.
A grant compliance officer inspects the emergency; if the cost falls within $500 to $9,800, a contractor makes a second inspection and estimate.
- Loan closing, then repairs.
Sign the loan and repair documents. By law there is a 3-day waiting period before work begins; don't let the contractor start before all paperwork is signed.
Verification of income
Verification of deposits and assets
Verification of homeowners insurance
Verification of mortgage
Limited title search
Forms and instructions, including for applying by mailLexington-Fayette Urban County Government: Emergency Repair Program · Lexington-Fayette Urban County Government: Housing Programs
Questions about applying(859) 258-3070 or grants@lexingtonky.gov
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Lexington Emergency Housing Repair Program pay?
Up to $9,800 loan.
Is there an income limit?
Household income, by family size, at or below 80% of area median income (HUD limits). Only the income of the owner living in the home counts.
Do renters qualify?
You must own the home and live in it. Homes with more than one owner qualify if at least one owner lives there; owners who don't live there must also sign the mortgage.
Is it still available?
Yes. It was open when we last checked, on October 28, 2026.
Does the program cover storm damage?
No. The program is not for storm-related emergencies or for claims your homeowner's or hazard insurance would cover.
Who decides whether my repair is an emergency?
City staff. Grants and Special Programs staff decide what counts as an emergency, and the qualifying systems are electrical, plumbing, and heating and air conditioning.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Lexington-Fayette Urban County Government: Emergency Repair Program
- Lexington-Fayette Urban County Government: Housing Programs
When one of these pages changes, we re-check this page against it.
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