Jefferson, Kentucky · Loan
LHOME Income-Based Home Repair Loan (Louisville Metro CDBG)
Run by LHOME (Louisville Housing Opportunities and Micro-Enterprise Community Loan Fund), with Louisville Metro Government CDBG funding
Low- and moderate-income homeowners in Jefferson County (Louisville Metro) can borrow up to $24,999 at a fixed 4% for up to seven years to repair roofs, HVAC systems and electrical, through LHOME's home repair loan funded by Louisville Metro's Community Development Block Grant.
Amounts
How much you get
A loan of up to $24,999 at a fixed 4% interest rate with terms up to seven years. It must be repaid. No application, credit check or origination fees, and radon testing is included at no cost.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in Jefferson, Kentucky.
For owner-occupants; you must own and live in the home.
For low-income (low- and moderate-income) homeowners in Jefferson County; income qualifications apply, but LHOME's page doesn't publish the limits.
A minimum credit score of 540 is required, and every loan is subject to LHOME's underwriting review and approval.
Equipment
What equipment counts
Applying
How to apply
You apply online.
- Check that you qualify.
You must own and live in your home in Jefferson County, meet the income limits and have a credit score of at least 540.
- Apply online at LHOME.
Use the Apply Now button for the Income-Based Home Repair Loan. There are no application fees.
- Underwriting and approval.
LHOME reviews each loan to make sure the payment leaves you in a stronger financial position.
- Repay monthly.
Up to seven years at 4%; for example, about $137 a month on a $10,000 loan.
Forms and instructionsLouisville Metro Council District 6 eNews, October 2, 2026: Low-cost Home Repair Loans Available for Louisville Homeowners
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 LHOME Income-Based Home Repair Loan (Louisville Metro CDBG) pay?
Up to $24,999 loan.
Is there an income limit?
For low-income (low- and moderate-income) homeowners in Jefferson County; income qualifications apply, but LHOME's page doesn't publish the limits.
Do renters qualify?
For owner-occupants; you must own and live in the home.
Is it still available?
Yes. It was open when we last checked, on October 28, 2026.
Is this a grant?
No. It's a loan that must be repaid, at a fixed 4% over up to seven years.
Can I apply if my credit isn't great?
Yes, if your score is at least 540. Louisville Metro's announcement says homeowners with traditional credit challenges are encouraged to apply.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- LHOME: Our Loans
- Louisville Metro Council District 6 eNews, October 2, 2026: Low-cost Home Repair Loans Available for Louisville Homeowners
When one of these pages changes, we re-check this page against it.
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