The good news is you may not need a grant since Somerset KY is an area that is eligible for the No Money Down USDA mortgage.
Your closing costs can be paid by the seller or you can roll them into the USDA mortgage as long as the appraised value will allow.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115