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.
Secondary Market is detail-safe as KHC's statewide first-mortgage umbrella, but public copy should stop at current consumer-page facts and current limits PDFs instead of inventing deeper underwriting rules from lender-only materials.
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.
KHC Secondary Market is the broad statewide 30-year fixed first-mortgage platform for first-time and repeat buyers, with FHA, VA, RHS, and select conventional lanes and optional KHC DAP pairing.
Statewide first mortgage platform with optional KHC DAP layer
Secondary Market is the main KHC first-mortgage backbone. If DAP is added, that assistance is a separate second-lien loan with its own repayment terms.
Not required
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 first-time and repeat homebuyers using a KHC-approved lender, Owner-occupant buyers purchasing a principal residence in Kentucky, Borrowers meeting current county-specific Secondary Market income limits, Borrowers using FHA, VA, RHS, or current KHC conventional product lanes
KHC Secondary Market is the broad statewide 30-year fixed first-mortgage platform for first-time and repeat buyers. Current KHC materials show FHA, VA, RHS, and select conventional lanes, and eligible borrowers can also pair the first mortgage with KHC Down Payment Assistance.
Secondary Market is the main KHC first-mortgage backbone rather than one flat grant program. Current consumer materials show standard first-mortgage repayment and note that DAP, when used, is a separate second-lien loan with its own terms.
Start with a KHC-approved lender, confirm the current county-specific Secondary Market income limits and the $544,232 purchase-price cap, choose the appropriate FHA, VA, RHS, or conventional lane, and add KHC DAP if eligible.
Current KHC consumer materials describe Secondary Market as the broad statewide 30-year fixed first-mortgage path for first-time and repeat homebuyers, using county-specific income limits, a $544,232 purchase-price cap, and KHC-approved lenders, with refinance options available only through this platform.
2026-04-22
Current KHC consumer pages and Secondary Market income limits effective 2025-06-23 verified 2026-04-22
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Comparison preview
Amount: KHC Secondary Market is the broad statewide 30-year fixed first-mortgage platform for first-time and repeat buyers, with FHA, VA, RHS, and select conventional lanes and optional KHC DAP pairing.
Repayment: Secondary Market is the main KHC first-mortgage backbone. If DAP is added, that assistance is a separate second-lien loan with its own repayment terms.
First-time buyer: Not required
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.
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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.
1 tracked
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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