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

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

Is there an income limit?

Yes. The listed income limit is 80% AMI.

What credit score does KY Regular DAP list?

The listed minimum credit score is 620.

KY Regular DAP

KY Regular DAP is a deferred 2nd 0% int 30-yr from Kentucky Housing Corp. Available statewide in Kentucky. Up to $20,000 toward a home purchase. For first-time buyers. Income limit: 80% AMI.

Up to $20,000

Listed as open as of May 2026

Available statewide in Kentucky.

First-time buyer	Required
Income limit	80% AMI
Minimum credit score	620
Maximum DTI	50%
Homebuyer education	Required (HFA-approved (Framework, eHome, NeighborWorks, etc.))
Occupations	Statewide KY
Property types	SFR, condo
Occupancy	Owner-occupied primary
Eligible loan products	FHA/USDA/Conv
Sales price cap	$250K
Repayment	0% deferred 30-yr
Stacking	Pairs with KHC first

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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