Kentucky Housing Corporation (KHC) Loan (Best for KY Buyers Needing Assistance)
Down Payment: $0 with $10,000 Down Payment Assistance (DAP)
Interest Rate: ~5.75%
Credit Score: 620+
Waiting Period: 2 years after bankruptcy, 3 years after foreclosure
Income Limit: $168,700
Who Qualifies? First-time or income-eligible buyers in Kentucky
Pros:
$10,000 down payment assistance available
Can be combined with FHA, VA, or USDA loans
Lower interest rates than many other options

Cons:
Income and purchase price limits apply
Requires homebuyer education course
DAP is a loan, not a grant (must be repaid)

Best for: Kentucky homebuyers needing down payment assistance.