Kentucky First-Time Home Buyer Programs 2026
$10,000 DPA available through Kentucky Housing Corporation (KHC). KHC Regular Down Payment Assistance offers $10K at 0% — forgiven after 5 years of occupancy.
Max Assistance
$10,000 DPA
Type
0% deferred loan
Min Credit
620+
Max Home Price
$349,525
Ready to apply for Kentucky assistance?
Get pre-approved in minutes — your lender will connect you with KHC programs automatically.
Kentucky First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| KHC Regular DPA Best statewide program | $10,000 | 0% forgiven after 5 yrs | 620+ | $74.5K–$96K |
| KHC Affordable DPA Very low income buyers | $10,000 | 0% deferred loan | 620+ | Lower income tiers |
Eligibility Requirements
- ✓620+ credit score
- ✓Income within KHC limits by county
- ✓Homebuyer education required
- ✓Primary residence in Kentucky
- ✓KHC-approved lender
Pro Tip
KHC programs available statewide: Louisville, Lexington, Bowling Green, Owensboro, Covington.
How to Apply for Kentucky Programs
Get Pre-Approved
Work with a KHC-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Kentucky Housing Corporation
KHC — Kentucky official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Kentucky?
The best program in Kentucky is the KHC Regular DPA, which offers $10,000 as a 0% forgiven after 5 yrs. Minimum credit score: 620. Income limit: $74.5K–$96K.
How much down payment assistance is available in Kentucky?
Kentucky offers up to $10,000 DPA through Kentucky Housing Corporation (KHC). The assistance is structured as a 0% deferred loan. Income limits are $74,500–$96,000 depending on household size and county.
What credit score do I need for Kentucky first-time buyer programs?
Most Kentucky programs through KHC require a minimum credit score of 620. Some programs may accept lower scores with compensating factors. Check with an KHC-approved lender for your exact score requirements.
What is the income limit for Kentucky first-time buyer programs in 2026?
In 2026, Kentucky income limits are $74,500–$96,000 depending on household size and county. The home price limit is $349,525. These limits are set by Kentucky Housing Corporation.
Don't Leave $10,000 DPA on the Table
Pre-approval is free. Your lender will apply for KHC programs automatically — no extra work for you.
Start My Free Pre-Approval →