What is Kentucky Housing Corporation (KHC)?

KHC at kyhousing.org provides mortgage loans and DPA (Regular and Affordable) for qualifying Kentucky homebuyers.

What DPA programs does KHC offer?

KHC offers Regular DPA and Affordable DPA — second mortgages with favorable terms for down payment and closing costs. Verify current terms at kyhousing.org.

Are Kentucky home prices affordable?

Yes — Kentucky has below-average median home prices. Louisville and Lexington are competitive but remain affordable compared to national medians.

Can I use FHA financing with KHC programs?

KHC programs are compatible with FHA, VA, USDA, and conventional financing. Verify specific stacking rules at kyhousing.org.

Where can I find a HUD counselor in Kentucky?

HUD lists approved housing counselors at hud.gov/states/kentucky.

Mortgages in Kentucky

Kentucky offers below-average median home prices nationally. Louisville, Lexington, and the Northern Kentucky/Cincinnati corridor are the most competitive markets. Eastern Kentucky's coal-country communities and Western Kentucky's rural markets offer entry-level pricing.

More Kentucky guides

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Mortgages by state

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