Kentucky · 1% interest loan

KHC Affordable DAP

$6,000

Up to $6,000 repayable over 10 years at just 1% interest. For lower-income buyers.

KHC's Affordable DAP offers the same $6,000 in DPA but at just 1% interest — roughly half the rate of the regular DAP. The lower rate reduces monthly payments on the second mortgage to under $55/month, making it one of the cheapest DPA products in the Southeast.

The reduced rate is available to buyers with household income below 60% of area median income. For qualifying buyers, the savings over the life of the second mortgage compared to the regular DAP total several hundred dollars.

Amount$6,000
Type1% interest loan
Available inKentucky
First-time buyer requiredYes
Minimum credit score640
Multi-unit eligibleYes — 1-4 units

House-hack eligible

1% interest on $6K = ~$53/month. Pairs with KHC first mortgage on multi-unit.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
KHC Regular DAP $6,000
Kentucky · Low-interest loan
Kentucky MCC Annual tax credit on mortgage interest
Kentucky · Annual tax credit
All Kentucky programs →

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