Do I have to be a first-time buyer for KY Affordable DAP?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is 50% AMI.

What credit score does KY Affordable DAP list?

The listed minimum credit score is 580.

KY Affordable DAP

KY Affordable DAP is a deferred 2nd 0% 25-yr from Kentucky Housing Corp. Available statewide in Kentucky. Up to $15,000 toward a home purchase. For first-time buyers. Income limit: 50% AMI.

Up to $15,000

Listed as open as of May 2026

Available statewide in Kentucky.

First-time buyer	Required
Income limit	50% AMI
Minimum credit score	580
Maximum DTI	55%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	LMI areas KY
Property types	SFR
Occupancy	Owner-occupied primary
Eligible loan products	USDA/FHA
Sales price cap	$200K
Repayment	0% deferred 25-yr
Stacking	LMI

Source Kentucky Housing Corp·official program page·Listed May 2026

Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: Kentucky Housing Corp · program details at the provider’s site.

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