See programs you qualify for
Get Matched Free →KHC Regular Down Payment Assistance (DAP)
Funding status: Active
How much assistance
Up to $12,500 (Repayable Loan)
15-year fixed-rate second mortgage at approximately 4.75% interest. Monthly payment of about $97 per month on the full $12,500 amount.
Eligibility
- Income limits: Varies by county and household size. Contact a KHC-approved lender for current limits.
- Purchase price limit: $544,232
- First-time buyer required: No
- Credit score minimum: 620
- Geographic restrictions: Available statewide in Kentucky.
- Homebuyer education required: Yes
How to Apply for KHC Regular Down Payment Assistance (DAP)
Step 1: Apply through a KHC-approved lender who originates both your first mortgage and the DPA second mortgage. You cannot apply directly through KHC. Find approved lenders at kyhousing.org.
Notes
Made permanent in 2025. Funds can be used for down payment, closing costs, and prepaid expenses. Minimum 620 credit score for FHA/VA/USDA; 660 for conventional loans.