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Kentucky Down Payment Assistance (DPA)

Kentucky Housing Corporation offers Down Payment Assistance (DPA) to home buyers in Kentucky: up to $12,500, as a repayable loan.

Amount
Up to $12,500
Kind of help
Repayable loan
First-time buyers only
No
Credit score
620 or higher

Repayable loan: a second loan you repay to KHC each month over 15 years. KHC shares the interest rate only with its approved lenders, so ask one.

A repayable loan is a small second mortgage you pay off each month, usually in the same payment as your main home loan.

Who qualifies for Kentucky Down Payment Assistance (DPA)?

  • Varies by program and county; most common program $152,775 to $192,325.
  • You don't have to be a first-time buyer.
  • A credit score of 620 or higher.
  • It comes with a KHC first mortgage that meets KHC's purchase price and income limits.
  • Price limit: $566,354.

Most limits follow your county and household size. Our HUD income limits lookup shows your area's median income and where your household sits.

How to apply for Kentucky Down Payment Assistance (DPA)

  1. Kentucky Housing Corporation pays this help out through its approved lenders, so you apply with one of them, together with your home loan.
  2. The lender checks your income, credit and the home against the program's rules and reserves the money for you.
  3. The help is paid at closing, toward your down payment and closing costs.

Read the full rules and whether it is taking applications on Kentucky Housing Corporation's page for Down Payment Assistance (DPA), or pick a lender from the agency's list of participating lenders.

Ask a lender about Kentucky Down Payment Assistance (DPA)

Tell us where you're buying and a lender that works with Kentucky's programs can tell you whether Kentucky Down Payment Assistance (DPA) fits you, and what you could combine with it.

Call 866-602-7460

Rather not call? Send your details and the lender will reach you.

When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

More help for buyers in Kentucky

All Kentucky first-time home buyer programs · Down payment assistance in every state