Do I have to be a first-time buyer for KY Conv Preferred?

No. The program does not require first-time buyer status.

Is there an income limit?

Yes. The listed income limit is 100% AMI.

What credit score does KY Conv Preferred list?

The listed minimum credit score is 640.

KY Conv Preferred

KY Conv Preferred is a deferred 2nd 0.5% 20-yr from Kentucky Housing Corp. Available statewide in Kentucky. Up to $22,000 toward a home purchase. First-time buyer status is not required. Income limit: 100% AMI.

Up to $22,000

Listed as open as of May 2026

Available statewide in Kentucky.

First-time buyer	Not required
Income limit	100% AMI
Minimum credit score	640
Maximum DTI	51%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide KY
Property types	SFR, condo, townhome
Occupancy	Owner-occupied primary
Eligible loan products	Conv
Sales price cap	$350K
Repayment	0.5% deferred 20-yr
Stacking	Conv only

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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