HDA Homeowners

We believe every East Kentuckian and every family should have a high-quality home they can afford. We help people of all backgrounds achieve their dreams of owning a home or improving the home they have. 

We work with individuals and families who live in Breathitt, Knott, Leslie, and Perry counties in rural southeastern Kentucky. Occasionally, we are also able to help the people of Floyd County. The counties we serve are some of the poorest in the nation, with over 42% of families in our region being listed as low-income. At HDA, the one thing we do not believe is that being poor is some kind of personal failure. We believe that our region faces many challenges that are bigger than any one family can overcome on its own. That’s why affordable housing is so important – it gives East Kentucky families the foundation of financial stability they need to create opportunities for themselves and the ability to have more self-determination. 

East Kentuckians are in need of affordable housing help for various reasons, including not being able to afford rent or a house payment, unpredictable utility costs, homes in need of significant and often expensive repairs, overcrowded homes, and unsafe living conditions or neighborhoods.

One common misconception about the Housing Development Alliance is that we give away houses. Actually, the hardworking families we serve must first qualify for our program and participate in Housing Counseling in order to prepare to become homeowners. HDA homeowners also contribute sweat equity, meaning that they offset some of their home loan costs by working alongside our carpenters to build their own home. So, our program is far from a hand out, but it is very much a hand up to folks who need it.