Kentucky program
Kentucky route through Kentucky Housing Corporation (KHC). This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.
Use carefully
This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.
Regular DAP is detail-safe, but KHC still hosts older temporary-increase flyers and much older legacy cards. Public copy should use the current borrower page, current FAQ, and current DAP grid for the live $12,500 / 4.75% / 15-year terms.
Source note: Older KHC-hosted flyers and training materials still preserve earlier $10,000, $7,500, or temporary-increase wording, while the current borrower page, current FAQ, current grid, and current homepage all point to the live permanently increased $12,500 structure.
Decision-ready public facts
Quick answer from published facts. Use this first, then jump to Go to Kentucky program hub if you need the wider state context.
Current KHC materials say Regular DAP provides a repayable loan up to $12,500 in $100 increments for down payment and closing costs when paired with an eligible KHC first mortgage.
15-year amortizing second mortgage
Current KHC borrower materials describe Regular DAP as a 15-year amortizing second mortgage at 4.75% interest, with prepayment allowed without penalty.
Varies
Program guide
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
Kentucky homebuyers already using an eligible KHC first mortgage through a KHC-approved lender, Borrowers pairing DAP with FHA, RHS, VA, HFA Preferred, HFA Preferred Plus 80, or Freddie HFA Advantage first mortgages, Borrowers meeting current KHC income and purchase-price rules under the paired first-mortgage channel, Owner-occupant buyers using DAP as subordinate financing
Current KHC materials say Regular DAP provides a repayable loan up to $12,500 in $100 increments for down payment and closing costs when paired with an eligible KHC first mortgage.
Current KHC borrower materials describe Regular DAP as a 15-year amortizing second mortgage at 4.75% interest. KHC also says the loan may be prepaid at any time without penalty and must remain in second-lien position if layered with other assistance.
Work with a KHC-approved lender, qualify for an eligible KHC first mortgage, verify the current income and purchase-price limits under that first-mortgage channel, and have the lender structure Regular DAP as subordinate financing in the same transaction.
Current KHC borrower-facing materials describe Regular DAP as repayable assistance up to $12,500 in $100 increments, amortized over 15 years at 4.75%, available to KHC first-mortgage recipients through KHC-approved lenders. Current KHC pages also say the increase is permanent and that stale older flyers should not override the current borrower page.
2026-04-22
Current KHC borrower page and 2025-11-20 DAP grid verified 2026-04-22
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Comparison preview
Amount: Current KHC materials say Regular DAP provides a repayable loan up to $12,500 in $100 increments for down payment and closing costs when paired with an eligible KHC first mortgage.
Repayment: Current KHC borrower materials describe Regular DAP as a 15-year amortizing second mortgage at 4.75% interest, with prepayment allowed without penalty.
First-time buyer: Varies
Risk checks preview
Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, specialty and conditional paths for Kentucky.
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
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Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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Full state board
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