Your real Kentucky affordability, the KHC Regular Down Payment Assistance Program (DAP) match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Kentucky number — free →The KHC Regular Down Payment Assistance Program (DAP) is Kentucky's flagship statewide down payment assistance, administered by the state housing finance agency (repayable second loan). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in Kentucky often add their own programs on top.
Official Kentucky program page →Kentucky's main statewide option is the KHC Regular Down Payment Assistance Program (DAP) — repayable second loan administered by the state housing finance agency. Many cities and counties in Kentucky add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Kentucky assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official KHC Regular Down Payment Assistance Program (DAP) page before applying.