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$10,000 HHF DAP

Kentucky Housing Corporation (KHC) recognizes that down payments, closing costs, and prep​aids are stumbling blocks for many potential homebuyers. We offer several loan programs to help you achieve your dream of buying a home. Your KHC-approved lender can help you apply for the program that meets your needs.

The Hardest Hit Fund Down payment Assistance Program (HHF DAP) is available to Christian County only, starting November 15, 2018; first-come, first-served, based on qualifying guidelines.

  • Zero percent interest rate for first-time homebuyers.
  • A non-repayable second mortgage for $10,000.
  • Forgiven after five years.
  • Home purchase must be located in Christian County.
  • No other counties are eligible.
  • New construction properties are not allowed.
  • Property has to have been previously occupied.
  • Applicants must meet Secondary Market Income and Purchase Price Limit.
  • Borrower must be a first-time homebuyer (no ownership interest in the last three years).
  • Pre-purchase homebuyer counseling is required.
If you are interested in purchasing a home in Christian County, please find a KHC-Approved Lender.

Media and Partner Information

Buying a Home with KHC

For all KHC mortgage loans, a homebuyer must apply through a KHC-approved lender to work with our loans. We partner with approved lenders across the state to provide you with the best mortgage loan options. By doing this, the buyer will know how much house they can afford based on income and debt.

KHC’s loans are subject to certain restrictions, and the lender will see if you meet qualifying guidelines. Additionally, the lender will be able to recommend any KHC down payment assistance for which you may qualify.


For more information about KHC's affordable home loans, DAPs, and Homebuyer Tax Credit, please visit KHC's Homebuyers page.


KHC invests in affordable housing solutions by offering programs and services designed to develop, preserve, and sustain affordable housing throughout the state. Since 1972, KHC has made homeownership possible for more than 94,000 Kentucky families. Let us help you make your move to homeownership in Christian County.