KY Down Payment AssistanceKentucky Down Payment Assistance Programs
Comprehensive guide to Kentucky DPA programs through Kentucky Housing Corporation (KHC). Get up to Up to $6,000 to help with your down payment and closing costs.
Kentucky DPA Programs
Kentucky Housing Corporation (KHC) offers multiple down payment assistance programs to help Kentucky homebuyers achieve homeownership with reduced upfront costs.
Provides assistance as a second mortgage with no monthly payments. Repaid when you sell, refinance, or pay off first mortgage.
Tax credit that reduces federal income tax liability, increasing take-home pay for housing costs.
| Program | Type | Amount | Forgiveness |
|---|---|---|---|
| Down Payment Assistance | Deferred Loan | Up to $6,000 | N/A |
| Mortgage Credit Certificate | Tax Credit | Up to $2,000 annual tax credit | N/A |
Eligibility Requirements
To qualify for Kentucky down payment assistance programs, you typically need to meet these requirements:
- First-time homebuyer (no ownership in past 3 years)
- Minimum credit score of 640
- Property must be in Kentucky and primary residence
- Meet income limits based on county
- Complete homebuyer education course
Step-by-Step Guide to Applying for Kentucky Down Payment Assistance
Follow these steps to access Kentucky down payment assistance programs through duPont Lending
Get Pre-Qualified
Complete our quick online application to determine your eligibility and loan options.
Choose Your Program
Work with your loan officer to select the best Kentucky DPA program for your situation.
Complete Education
Complete required homebuyer education course (we'll guide you to approved providers).
Close on Your Home
Finalize your loan with down payment assistance applied, reducing your upfront costs.
Ready to Access Kentucky Down Payment Assistance?
Get pre-qualified in minutes and discover which Kentucky DPA programs you qualify for. Our experienced team will guide you through every step of the process.
Official Kentucky Resources
For more information about Kentucky down payment assistance programs
Kentucky Housing Corporation (KHC)
Official state housing finance agency administering DPA programs in Kentucky
Visit Official WebsiteNeed help navigating Kentucky DPA programs? Our team specializes in down payment assistance and can help you determine which program is best for your situation.
Cookie Consent
We use cookies and similar technologies to enhance your experience, analyze site traffic, and personalize content. By clicking "Accept," you consent to our use of cookies. You can learn more about our cookie practices in our Privacy Policy and Terms and Conditions.