Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

Important Update: The 2026 Welcome Home Grant Is Closed
The official FHLB Cincinnati Welcome Home Program page currently states that the 2026 Welcome Home Program is closed. That means Kentucky buyers should not build a purchase plan around new Welcome Home Grant funds being available right now.

For many buyers, the right move is to immediately pivot to active Kentucky mortgage programs instead of waiting on grant funds that are no longer open.

Official program source: FHLB Cincinnati Welcome Home Program Homebuyer Information