Kentucky Mortgage Lender

KHC Down Payment Assistance 2026: How to Get Up to $12,500 in Kentucky (Amounts, Credit Rules & How to Qualify) If you're trying to buy a home in Kentucky and the biggest obstacle is cash to close, Kentucky Housing Corporation (KHC) down payment assistance can be a practical solution. In 2026, KHC down payment assistance is structured as a repayable second mortgage that helps cover down payment, closing costs, and prepaid items — so qualified buyers aren't forced to delay homeownership simply because they haven't saved a large sum. This guide covers the rules that matter most: the assistance amount, credit score overlays, income limits by county, purchase price limits, and the DTI cap you need to plan around before you write an offer. 🏠 Ready to See If You Qualify for KHC Down Payment Assistance? Call or text Joel Lobb for a free, same-day pre-approval — no obligation, no cost. 📞 502-905-3708  |  ✉️ [email protected] Ser...

If you are trying to figure out whether you earn too much to use a Kentucky Housing Corporation (KHC) loan, this page has the current numbers. Below are KHC's income limits by county, the maximum purchase price, the down payment assistance amounts, and the credit and debt-to-income rules that go with them — updated for 2026. The short answer KHC uses two different income-limit charts . Under the Secondary Market programs, most Kentucky counties allow up to $147,350 in qualifying income, rising to $195,650 in the Northern Kentucky counties. Under the lower Mortgage Revenue Bond (MRB) programs, most counties cap household income near $101,040 for a 1–2 person household and $117,880 for 3 or more. The maximum purchase price for either is $566,354 . $566,354 Max purchase price $12,500 Max down payment help 620 Min score (FHA/VA/RHS) 660 Min score (conventional) What Kentucky Housing Corporation Is — and Why the Income Limit Matters ...

Update for Kentucky homebuyers: KHC has permanently increased the Regular Down Payment Assistance Program (DAP) to up to $12,500. Purchase price limit shown below reflects KHC’s published $544,232 cap. Source links are included in this post. Last updated: December 22, 2025 Kentucky Down Payment Assistance (KHC DAP) Up to $12,500 If you’re trying to buy a home in Kentucky and cash for the down payment or closing costs is the main obstacle, the Kentucky Housing Corporation (KHC) Down Payment Assistance Program (DAP) is one of the most practical options available. It pairs with an approved first mortgage (FHA, VA, USDA, or select Conventional options) and provides additional funds to reduce your upfront out-of-pocket. Louisville buyers: you may have both statewide KHC options and local Louisville/Metro programs available depending on income, location, and funding availability. Statewi...

HUD Approved Housing Counseling Agencies for Kentucky Home buyers Agencies located in KENTUCKY Agency Name Phone, Toll-Free, Fax Number, Email, Website Address Counseling Services Languages Parent Organization KENTUCKY COMMUNITIES ECONOMIC OPPORTUNITY COUNCIL, INC. (KCEOC) Phone: 606-546-3152 Fax: 606-546-5057 E-mail: dcornelius@kceoc.com 5448 N. U.S. 25E, Ste.A PO Box 490 Barbourville, Kentucky 40906 - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - English KENTUCKY HOUSING CORPORATION BOWLING GREEN HUMAN RIGHTS COMMISSION Phone: 270-782-7900 Fax: 270-782-6997 E-mail: bghrc1@aol.com Website: www.bgky.org/humanrights.htm 491 Double Springs Road BOWLING GREEN, Kentucky 42101-5185 - Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Predatory Lending Education Workshops - Services for Homeless Counseling - English - Spanish CCCS OF THE MIDWEST Phone:...