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In honor of Christmas Day, KHC offices will be closed on Monday and Tuesday, December 24 and 25, 2018. KHC offices will re-open at 8 a.m. on Wednesday, December 26, 2018.

In honor of New Year’s Day, KHC offices will be closed on Monday, December 31. 2018 and Tuesday, January 1, 2019. KHC offices will re-open at 8 a.m. on Wednesday, January 2, 2019.


Gap Program

Gap Program


2016 Gap Application Guidelines

KHC funds this program with Affordable Housing Trust Fund (AHTF) at an amount determined by KHC through its annual allocation plan.

Organizations eligible for funding through the Gap Program include:

  • Units of Kentucky local governments.
  • Local government housing authorities.
  • Nonprofit organizations.
  • Faith-based and community service organizations.
  • Community Housing Development Organization (CHDO).
  • Regional or statewide housing assistance organizations.

Private developers are ineligible to apply for the Gap Program.

The city of Owensboro; the merged governments of Lexington/Fayette and Louisville/Jefferson counties; and the consortia consisting of the cities of Covington, Ludlow, Bromley, Newport, Bellevue, and Dayton receive a direct allocation of HOME funds from HUD. Projects within these areas are not eligible to receive state HOME funds for homeownership initiatives; however, they are eligible to receive AHTF. 

Gap Resources

AHTF Certifications and Assurances

AHTF Project Set Up/Construction Start Up Notice

Cost Estimate for Rehab

AHTF Close Out Form

RD Property Determination Eligibility

Authorized Signature Form

Electronic Funds Transfer

Homebuyer Cost Summary

Homeowner Rehabilitation Cost Summary