Kentucky Housing Corporation (KHC)

KHC Loan Programs

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KHC offers two different funding sources: Secondary Market and MRB.

SECONDARY MARKET FUNDING SOURCE

  • First-time and repeat homebuyers statewide
  • 30-year fixed interest rate
  • Principle residence ONLY
  • Purchase Price Limit:  $243,000
  • Borrower must meet KHC’s Secondary Market Income Limits

Conventional No Mortgage Insurance Program

  • Minimum credit score of 680
  • 3 percent down payment and no up-front or monthly mortgage insurance
  • All KHC DAPs applicable
  • No minimum borrower contribution
  • No reserves required

FHA

  • Insured by the Federal Housing Administration
  • 3.5 percent down payment
  • All KHC DAPs applicable
  • Upfront and monthly mortgage insurance
  • Minimum credit score of 640

Two FHA Refinance Options (Available Only Through Secondary Market)

  • Credit qualifying Streamline Refinance and Rate/Term Refinance
    • Insured by the Federal Housing Administration
    • Cash back to borrower not to exceed $500
    • Upfront and monthly mortgage insurance
    • Minimum credit score of 640

VA

  • Guaranteed by the Veterans Administration for qualified military veterans
  • No down payment if the property appraises for the sale price or greater
  • All KHC DAPs applicable
  • Minimum credit score of 640
  • No monthly mortgage insurance payments

RHS

  • Guaranteed by Rural Housing Services (RHS)
  • Home must be located in a rural area as defined by RHS
  • No down payment if the property appraises for the sale price or greater
  • All KHC DAPs applicable
  • Upfront and monthly mortgage insurance
  • Minimum credit score of 640

 

$10,000 HHF DAP-Status of Monies for 2017 Kentucky Housing Grant for $10,000
As of this morning, Kentucky Housing Corporation (KHC) still has 148 new reservations available for the Hardest Hit Fund (HHF) $10,000 Down payment Assistance Program for Jefferson, Kenton, Hardin and Christian Counties.
Lenders can keep up with HHF DAP availability on a daily basis by visiting the Lenders Page on KHC’s website.

 

 

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KHC’s Approved Counselors

City Agency Phone
LOUISVILLE HOUSING PARTNERSHIP INC. 502-585-5451
LOUISVILLE LOUISVILLE CENTRAL COMMUNITY CENTERS, INC. 502-583-8821
LOUISVILLE LOUISVILLE URBAN LEAGUE, INC. 502-566-3364

KHC’s Approved HQS Inspectors

County Inspector Phone Products
JEFFERSON PEDRO GARCIA (502) 212-1527 CONV, FHA30, RHS
JEFFERSON BRIAN ROCK (502) 543-1566 CONV, CONV
JEFFERSON DAVID HARRINGTON (502) 955-9588 CONV
JEFFERSON DIANNE HOLLAND (502) 543-3581 CONV, FHA30, RHS
JEFFERSON JOHN W. HARDWICK (502) 955-7779 VA30
JEFFERSON TAMMIE ROBINSON (502) 876-4456 CONV, FHA30, RHS
JEFFERSON EVA MAGGARD (270) 737-5175 CONV, FHA30, RHS
JEFFERSON JERRY WATSON (270) 765-1861 CONV, FHA30, RHS
JEFFERSON KATHRYN BRITENRIKER-DEVEAU (270) 763-9484 CONV, VA30, FHA30, RHS
JEFFERSON ANDREW QUIGGINS (502) 724-3066 CONV, FHA30, RHS
JEFFERSON ANISSA A. PEARSON (502) 493-4744 CONV, VA30, FHA30, RHS, CONV100
JEFFERSON ARTIE HIGDON (502) 244-3353 CONV, FHA30
JEFFERSON BARBARA A. SATTERLY (502) 671-1037 CONV, FHA30
JEFFERSON BRIAN DEELEY (502) 485-9988 CONV, FHA30, RHS
JEFFERSON BRIAN J SANDERFER (502) 458-2520 CONV, FHA30, RHS
JEFFERSON BRUCE HIGGASON (502) 897-0702 CONV, VA30, FHA30, RHS
JEFFERSON C. MARTY MICHALS (502) 297-8700 CONV, FHA30, CONV100
JEFFERSON DAVID EDWARDS (502) 445-3035 CONV, FHA30
JEFFERSON DAVID MAY (502) 452-6135 CONV, VA30, FHA30
JEFFERSON DON A. HARTLEY (502) 897-3027 CONV, FHA30
JEFFERSON GARY W. FLYNN (502) 239-2398 VA30, FHA30
JEFFERSON GREGORY L. ELLIS (502) 267-4044 CONV, FHA30
JEFFERSON HOWARD JOE PEERY (502) 895-7902 CONV, FHA30, RHS
JEFFERSON JAMES KUHNS (502) 296-6903 CONV, FHA30, RHS
JEFFERSON JANE E. DYER (502) 895-4388 CONV, FHA30
JEFFERSON JANE E. LINDSEY (502) 744-9468 FHA30, RHS
JEFFERSON JOHN J. BRUNSTETTER (502) 458-2520 CONV, FHA30, RHS
JEFFERSON JOHN LEGGETT (502) 636-5160 CONV, FHA30
JEFFERSON JOHN MAY (502) 452-6135 CONV, FHA30
JEFFERSON JOSHUA BEAM (502) 458-2520 CONV, FHA30, RHS
JEFFERSON LESLIE MOORE (502) 412-0800 CONV, FHA30, RHS
JEFFERSON LINDA RIGGLE (502) 333-0700 CONV, FHA30
JEFFERSON MARGARET L. BURRELL (502) 777-0159 CONV, FHA30
JEFFERSON MARK ANTHONY HOLLEY (502) 345-6035 CONV, FHA30
JEFFERSON MARK BOLLINGER (502) 425-1300 VA30, FHA30
JEFFERSON MARK MUNZER (502) 452-6856 CONV
JEFFERSON MARVIN DEVER (502) 485-0066 CONV, FHA30
JEFFERSON MICHAEL ANHOUSE (502) 899-9141 CONV, FHA30
JEFFERSON MICHAEL R. CULLEN (502) 458-9439 CONV, FHA30
JEFFERSON NIKKI KOROSEC (502) 693-2632 CONV, VA30, FHA30, RHS
JEFFERSON PAT HORNBACK (502) 363-0089 CONV, FHA30
JEFFERSON PAUL S HASSON (502) 836-6068 CONV, VA30, FHA30, CONV100
JEFFERSON RHONDA L. DEEM (502) 671-1037 CONV, FHA30
JEFFERSON RICHARD I. BECKLEY (502) 893-8856 CONV, FHA30
JEFFERSON ROBERT E. MCCARTER (502) 245-7284 CONV, FHA30
JEFFERSON SHARON MCCROSKEY (502) 452-6856 CONV
JEFFERSON THOMAS MERIMEE JR (502) 485-9988 CONV, FHA30
JEFFERSON WILLIAM P SANDERFER (502) 458-2520 CONV, VA30, FHA30, RHS
JEFFERSON WILLIAM R. SANDERFER (502) 458-2520 CONV, VA30, FHA30, RHS
JEFFERSON CYNTHIA DAVIS HOMAYOUN (502) 241-7181 CONV, FHA30, RHS
JEFFERSON GLENDA HORNBACK LASITA (502) 265-0560 CONV, VA30, FHA30
JEFFERSON IVA M. DAVIS (502) 241-7181 CONV, FHA30, RHS
JEFFERSON MARK ROBERTS (502) 494-2946 CONV, FHA30
JEFFERSON BARBARA KOPP (502) 570-9088 CONV, FHA30, RHS
JEFFERSON LINDA MAGNESS (502) 633-5097 CONV, FHA30, RHS
JEFFERSON JEREMY D. CHESSER (859) 375-0005 CONV, RHS

KHC’s Purchase Price and Income Limits

Funding Source: MRB or Secondary

Purchase Price Limit: $243,000
Gross Annual Income Limits using Secondary Market Funds:

1 or 2 person(s): 3 or more persons:
$111,650 $111,650

Gross Annual Household Income Limit for MRB and Homebuyer Tax Credit:

1 or 2 person(s): 3 or more persons:
$74,160 $86,520

Gross Annual Household Income Limits when Affordable DAP funds used:

1 person: 2 persons: 3 persons: 4 or more persons:
$34,000 $38,850 $43,700 $48,550
Funding Source: New Bond Special Funding

Purchase Price Limit: $115,000  Gross Annual Household Income Limit:

1 or 2 person(s): 3 or more persons:
$35,000 $35,000

2017 Kentucky First Time Home Buyer Grant for $10,000 from Kentucky Housing

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16 thoughts on “Kentucky Housing Corporation (KHC)

  1. The following Housing Authroities matched your search criteria.
    A housing authority generally has two types of assistance available: Section 8 vouchers and affordable apartments.

    Housing Authority Address
    Appalachian Foothills Housing Wurtland, KY .41144
    Barbourville Ur & Cd Barbourville, KY .40906
    Boone Ct Fiscal Ct Ahd Burlington, KY .41005
    Breckinridge County Housing Hardinsburg, KY .40143
    Campbell County Housing Newport, KY .41072
    Campbellsville Housing And Red Campbellsville, KY .42718
    City Of Ashland Ashland, KY .41105
    City Of Bowling Green Bowling Green, KY .42102
    City Of Covington , Kentucky Covington, KY .41011
    City Of Harrodsburg Harrodsburg, KY .40330
    City Of Hickman Section 8 Hous Hickman, KY .42050
    City Of Louisville, Dept. Of H Louisville, KY .40202
    City Of Paducah Paducah, KY .42002
    City Of Richmond Richmond, KY .40476
    Clinton Housing Authority Mayfield, KY .42066
    Community Dev Section 8 Danville, KY .40422
    Cumberland Valley Regional H A Barbourville, KY .40906
    Elliott County Housing Authori Wurtland, KY .41144
    Glasgow Community Development Glasgow, KY .42141
    Grayson-Carter County Housing Greenup, KY .41144
    Housing Authority Dry Ridge Dry Ridge, KY .41035
    Housing Authority Floyd County Prestonsburg, KY .41653
    Housing Authority Georgetown Georgetown, KY .40324
    Housing Authority Greensburg Greensburg, KY .42743
    Housing Authority Mayfield Mayfield, KY .42066
    Housing Authority Of Albany Albany, KY .42602
    Housing Authority Of Ashland Ashland, KY .41101
    Housing Authority Of Barbourvi Barbourville, KY .40906
    Housing Authority Of Bardstown Bardstown, KY .40004
    Housing Authority Of Beattyvil Beattyville, KY .41311
    Housing Authority Of Beaver Da Beaver Dam, KY .42320
    Housing Authority Of Benton Benton, KY .42025
    Housing Authority Of Berea Berea, KY .40403
    Housing Authority Of Bloomfiel Bloomfield, KY .40008
    Housing Authority Of Bowling G Bowling Green, KY .42102
    Housing Authority Of Burkesvil Burkesville, KY .42717
    Housing Authority Of Cadiz Cadiz, KY .42211
    Housing Authority Of Carrollto Carrollton, KY .41008
    Housing Authority Of Catlettsb Catlettsburg, KY .41129
    Housing Authority Of Central C Central City, KY .42330
    Housing Authority Of Columbia Columbia, KY .42728
    Housing Authority Of Corbin Corbin, KY .40701
    Housing Authority Of Covington Covington, KY .41015
    Housing Authority Of Cumberlan Cumberland, KY .40823
    Housing Authority Of Cynthiana Cynthiana, KY .41031
    Housing Authority Of Danville Danville, KY .40422
    Housing Authority Of Dawson Sp Dawson Springs, KY .42408
    Housing Authority Of Dayton Dayton, KY .41074
    Housing Authority Of Elizabeth Elizabethtown, KY .42701
    Housing Authority Of Eminence Eminence, KY .40019
    Housing Authority Of Falmouth Falmouth, KY .41040
    Housing Authority Of Flemingsb Flemingsburg, KY .41041
    Housing Authority Of Frankfort Frankfort, KY .40601
    Housing Authority Of Franklin Franklin, KY .42134
    Housing Authority Of Fulton Fulton, KY .42041
    Housing Authority Of Glasgow Glasgow, KY .42141
    Housing Authority Of Greenvill Greenville, KY .42345
    Housing Authority Of Harlan Harlan, KY .40831
    Housing Authority Of Harrodsbu Harrodsburg, KY .40330
    Housing Authority Of Hazard Hazard, KY .41701
    Housing Authority Of Henderson Henderson, KY .42420
    Housing Authority Of Hickman Hickman, KY .42050
    Housing Authority Of Hodgenvil Hodgenville, KY .42748
    Housing Authority Of Hopkinsvi Hopkinsville, KY .42240
    Housing Authority Of Horse Cav Horse Cave, KY .42749
    Housing Authority Of Irvine Irvine, KY .40336
    Housing Authority Of Irvington Irvington, KY .40146
    Housing Authority Of Jackson Jackson, KY .41339
    Housing Authority Of Jefferson Louisville, KY .40204
    Housing Authority Of Knott Cou Hindman, KY .41822
    Housing Authority Of Lancaster Lancaster, KY .40444
    Housing Authority Of Lawrence Louisa, KY .41230
    Housing Authority Of Lebanon Lebanon, KY .40033
    Housing Authority Of Lexington Lexington, KY .40505
    Housing Authority Of Liberty Liberty, KY .42539
    Housing Authority Of London London, KY .40741
    Housing Authority Of Louisvill Louisville, KY .40203
    Housing Authority Of Lyon Coun Eddyville, KY .42038
    Housing Authority Of Madisonvi Madisonville, KY .42431
    Housing Authority Of Mancheste Manchester, KY .40962
    Housing Authority Of Martin Martin, KY .41649
    Housing Authority Of Martin Co Warfield, KY .41267
    Housing Authority Of Maysville Maysville, KY .41056
    Housing Authority Of Mccreary Pine Knot, KY .42635
    Housing Authority Of Mckee Mc Kee, KY .40447
    Housing Authority Of Middlesbo Middlesboro, KY .40965
    Housing Authority Of Monticell Monticello, KY .42633
    Housing Authority Of Morehead Morehead, KY .40351
    Housing Authority Of Morganfie Morganfield, KY .42437
    Housing Authority Of Morgantow Morgantown, KY .42261
    Housing Authority Of Mount Ste Mount Sterling, KY .40353
    Housing Authority Of Mount Ver Mount Vernon, KY .40456
    Housing Authority Of Murray Murray, KY .42071
    Housing Authority Of Newport Newport, KY .41071
    Housing Authority Of Nicholasv Nicholasville, KY .40356
    Housing Authority Of Olive Hil Olive Hill, KY .41164
    Housing Authority Of Owensboro Owensboro, KY .42303
    Housing Authority Of Owenton Owenton, KY .40359
    Housing Authority Of Owingsvil Owingsville, KY .40360
    Housing Authority Of Paducah Paducah, KY .42003
    Housing Authority Of Paintsvil Paintsville, KY .41240
    Housing Authority Of Paris Paris, KY .40361
    Housing Authority Of Pineville Pineville, KY .40977
    Housing Authority Of Princeton Princeton, KY .42445
    Housing Authority Of Providenc Providence, KY .42450
    Housing Authority Of Radcliff Radcliff, KY .40160
    Housing Authority Of Richmond Richmond, KY .40476
    Housing Authority Of Russellvi Russellville, KY .42276
    Housing Authority Of Salyersvi Salyersville, KY .41465
    Housing Authority Of Scottsvil Scottsville, KY .42164
    Housing Authority Of Shelbyvil Shelbyville, KY .40065
    Housing Authority Of Somerset Somerset, KY .42501
    Housing Authority Of Stanford Stanford, KY .40484
    Housing Authority Of Stanton Irvine, KY .40336
    Housing Authority Of Sturgis Sturgis, KY .42459
    Housing Authority Of Todd Coun Guthrie, KY .42234
    Housing Authority Of Tompkinsv Tompkinsville, KY .42167
    Housing Authority Of Versaille Versailles, KY .40383
    Housing Authority Of Whitesbur Whitesburg, KY .41858
    Housing Authority Of Williamsb Williamsburg, KY .40769
    Housing Authority Of Williamst Williamstown, KY .41097
    Housing Authority Of Wincheste Winchester, KY .40392
    Housing Authority Pikeville Pikeville, KY .41501
    Housing Authority Prestonsburg Prestonsburg, KY .41653
    Housing Authority Springfield Springfield, KY .40069
    Housing Authority Vanceburg Vanceburg, KY .41179
    Kentucky Housing Corporation Frankfort, KY .40601
    Lake Cumberland Housing Agency Russell Springs, KY .42642
    Laurel County Section 8 Housin London, KY .40741
    Lexington-Fayette Urban County Lexington, KY .40505
    Paris/Bourbon County Urban Ren Paris, KY .40362
    Pike County Housing Authority Pikeville, KY .41501
    Pineville/Bell County Ur & Cd Pineville, KY .40977
    Williamsburg Community Develop Williamsburg, KY .40769

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  11. Pingback: $15,000 Down payment Assistance Grant for Kentucky First Time Homebuyers | Kentucky First Time Home Buyer Programs for 2017 FHA, VA, KHC, USDA, RHS, Fannie Mae Loans in Kentucky

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