Find KY mortgage help through this government program


This financial relief program is intended to help Kentucky homeowners avoid foreclosure due to COVID-19 hardship.


If you are struggling financially due to the coronavirus pandemic and need help making your mortgage payments, help may be available in Kentucky.

the Kentucky Team Owners Relief Fund provides financial assistance to landlords in hopes of mitigating COVID-related foreclosures.

Eligible applicants can receive up to $35,000 to pay for late mortgage payments, utilities, insurance premiums, property taxes and homeowners association fees.

The money will be distributed until it is spent or until September 30, 2025, whichever comes first. Federal stimulus efforts allocated $85.4 million to Kentucky for the fund.

Other investments made by the Commonwealth to mitigate economic losses from COVID-19 include investments in unemployment insurance and public health. Here is Kentucky’s Economic Recovery Planpublished on August 31, 2021.

Although the federal government has adopted a pause on seizures in response to the pandemic, it has long expired and legal foreclosures have resumed in Kentucky.

According to SoFi Learn, a financial advisory firm, 173 houses were seized in the Commonwealth in March. Nationwide, there were 33,333 foreclosure filings in the same month, an increase of 180% over the previous year, according to ATTOM Data Solutions.

If you’re struggling to pay your mortgage or utilities, here’s what to know about getting financial assistance in Kentucky.

Are you eligible for assistance in Kentucky?

To be eligible for mortgage assistance, you must meet all of the following conditions:

  • Provide documentation of COVID-19 related difficulties beginning or escalating after January 21, 2020.

  • Own and live in a Kentucky home that you also lived in during the pandemic hardships for which you are seeking assistance. Eligible homes include a single family home, condominium, townhouse and manufactured home.

  • You cannot have more than one primary residence.

  • Certain income guidelines apply. For calculate your income eligibility, enter your county and household size into this calculator. In Fayette County, the limit is $79,350 for one person, $90,600 for two, $102,000 for three, and $113,250 for a household of four.

  • You must work with a licensed counselor to complete your application. Here’s where you can contact one.

  • Income verification is required, along with an appraisal of your home and property.

  • Provide state-issued photo ID.

The application and approval process can take 45 days or longer, depending on the owners’ needs and the status of the completed application.

How can mortgage relief money be used in Kentucky?

The money will be paid directly to your mortgage agent, property tax administrator, utility company or homeowners association.

It can be used to cover the following expenses:

  • Mortgage assistance for up to six months and/or mortgage reinstatement of outstanding balance.

  • One-time reinstatement of overdue utility bills including gas, electric, water, heat and sewer. It is not an emergency public service. Application processing and review times vary. Here’s where you can find emergency help to pay energy bills.

  • One-time reinstatement of non-escrowded homeowners and/or delinquent flood insurance charges.

  • One-time reinstatement of overdue and non-escrow property tax bills.

  • One-time reinstatement of overdue condominium/condominium/lien dues.

Do you have a question about COVID-19 or COVID relief in Kentucky? We would love to hear from you. Complete the form below or email [email protected]

Meredith Howard is a duty reporter at the Belleville News-Democrat. She graduated from Baylor University and previously freelanced for the Illinois Times and the Pulitzer Center on Crisis Reporting.