Jefferson County Home Repair Grant Program
Supporting Safe, Comfortable Homes in Jefferson County and Its Communities
We’re glad you’re here! Thank you for your interest in the Stock Yards Bank & Trust (SYB) Home Repair Grant Program for Jefferson County. This program was created to help homeowners make important repairs that keep their homes safe, secure, and comfortable—so you can continue living in the place you call home.
This portal is to express your interest only—it is not a formal application.
Expressions of interest will be reviewed and homeowners will be contacted in the order submissions are received, as funding and eligibility allow. Submitting this form does not guarantee funding, but it lets us know you would like to be considered.
About the Program
The SYB Home Repair Grant Program provides assistance through a forgivable mortgage loan, helping homeowners complete urgent home repairs. Because this assistance is structured as a loan, a mortgage lien will be recorded against the property. The loan is forgivable if program requirements are met. Loan details include:
- 0.00% Annual Percentage Rate (APR)
- No monthly payment required if requirements are met
- No down payment required
- Up to $6,000 per household
- The loan is forgiven in equal portions over a three-year period if program requirements are met. If requirements are not met, repayment of the unforgiven balance is required
Funds may be used for essential, non-cosmetic repairs, such as:
- Repairs related to health, safety, or structural soundness
- Accessibility improvements for individuals with disabilities
- Aging in place modifications that help homeowners remain safely in their homes
Grant forgiveness will not apply in the following situations:
- The recipient no longer owns the property and transfers ownership for reasons other than death
- The property is converted to a rental or investment property
- The recipient vacates the property and retains ownership but no longer occupies the property as a primary residence, including renting the property to another party
In these circumstances, the remaining grant balance will become repayable in accordance with program terms.
Eligible Forgiveness Exceptions
The following circumstances may qualify for full forgiveness of the remaining grant balance, even if the recipient no longer occupies the property:
- Death of the recipient: If the property is sold as a result of the recipient’s death, the remaining grant balance will be forgiven upon sale.
- Severe illness or medical condition requiring permanent relocation: If the recipient is unable to continue residing in the home due to illness, disability, or medical condition that requires permanent residence in a nursing home, assisted living facility, or similar long term care setting, the remaining grant balance may be forgiven.
- Property disposition related to death: If the property is sold as part of estate settlement following the recipient’s death, the grant balance will be forgiven at the time of sale.
These exceptions recognize circumstances beyond the recipient’s control and are intended to prevent undue hardship.
Who May Be Eligible
To participate, homeowners must meet the following basic requirements:
- The home must be owner-occupied
- The property must be located in Jefferson County, Kentucky
- Household income must fall within the program income limits for the county where the home is located
Funding is limited and not all applicants will be selected, even if eligibility requirements are met. If you are contacted, eligibility will be confirmed during the next step of the process.
What to Expect Next
- Your expression of interest will be time stamped upon submission
- Homeowners will be contacted in the order received
- If funding and eligibility align, you will receive guidance on completing a formal application and submitting required documentation
We appreciate your interest and the pride you take in your home. Please review the information carefully before submitting, and reach out if you have questions.
Complete the form below to indicate your interest in the Home Repair Grant Program.
This program provides assistance in the form of a forgivable mortgage loan, not a traditional grant. A mortgage lien will be recorded against the property. The loan carries 0.00% APR, no monthly payments, and is forgiven in equal portions over a three‑year period, provided all program requirements are met. If the property is sold, transferred, refinanced, or program requirements are not satisfied, repayment of the unforgiven principal balance may be required. No interest accrues on the balance. Program eligibility is subject to income limits, geographic restrictions, participation by designated housing agencies, and funding availability. Not all applicants will qualify. Loan funds may be used only for eligible safety, soundness, accessibility, and aging‑in‑place home repairs in accordance with program guidelines. Funds are paid directly to approved contractors, not to the borrower. Additional terms, conditions, and requirements apply. All loans subject to credit approval and Stock Yards Bank lending policies. Terms and conditions subject to change. Speak to a loan officer for details. SYB – NMLS# 433971.