Kentucky · Low-interest loan

KHC Regular DAP

$6,000

Up to $6,000 repayable over 10 years at 5.5% interest for down payment and closing costs.

KHC's Regular DAP provides $6,000 in DPA as a second mortgage. Kentucky's affordable market means $6,000 covers the full FHA down payment on homes up to $171,000 with funds remaining for closing costs.

Amount$6,000

TypeLow-interest loan

Available inKentucky

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

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 Affordable DAP $6,000

Kentucky · 1% interest loan

Kentucky MCC Annual tax credit on mortgage interest

Kentucky · Annual tax credit

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