Kentucky Regular DAP

Kentucky Regular DAP是面向Statewide，Kentucky购房者的补助金。 KHC's flagship statewide repayable down payment assistance program. Up to $12,500 (minimum $1,000) at 4.75% fixed amortized over 15 years, paired with a KHC first mortgage. Open to first-time and repeat homebuyers. $544,232 max purchase price, Secondary Market / MRB income limits, 620 FICO. Enter in AUS as subordinate financing. Kentucky Housing Corporation's Regular Down Payment Assistance Program (Regular DAP) provides a repayable second mortgage of $1,000 to $12,500 (in $100 increments) to qualifying KHC first-mortgage borrowers. The DAP second is amortized over 15 years at a fixed 4.75% interest rate (per current KHC grid effective 11/20/2025). Funds may be applied to down payment and/or customary closing costs. The Regular DAP is paired with a KHC first mortgage (FHA, RHS/USDA, VA, HFA Preferred, HFA Preferred Plus 80, or Freddie HFA Advantage). Open to both first-time and repeat home buyers. Statewide. 资金来自State、Bond和Secondary Market。

Kentucky Regular DAP属于补助金，因此无需偿还。 触发还款的情形：Monthly amortizing second mortgage和principal and interest payments due each month for 15 years alongside the first mortgage. Balance also due in full on sale, refinance, or transfer of the property. 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Kentucky Regular DAP面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO (KHC overlay); specific first-mortgage products (FHA, VA, USDA, HFA Preferred) may require higher per their own overlays. 居住要求：Property must be located in Kentucky and used as borrower's primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Borrower must obtain a KHC first mortgage to be eligible for DAP funds. Minimum 620 FICO (KHC overlay; specific products may require higher). Maximum 50% DTI with AUS approval. Must qualify for the additional monthly DAP payment (15-year amortizing second at 4.75%). Owner-occupied primary residence. Property must be located in Kentucky. Income at or below KHC's Secondary Market or Mortgage Revenue Bond limits (varies by product, county, household size; Secondary Market limit currently $195,650 for upper-tier areas/large household). Maximum purchase price $544,232. Both new construction and existing properties eligible. Required repairs (if any) must be paid by buyer or seller using OWN funds, not DAP. DAP not required to be at maximum first-mortgage LTV. $50 KHC document preparation fee + $80 recording fee due to closing agent. Enter as Subordinate Financing in AUS.

Kentucky Regular DAP将家庭收入限制在$195,650。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Kentucky Regular DAP将房价上限设为$544,232。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied), manufactured home on permanent foundation (per overlays). New construction and existing properties both eligible. 新建房屋符合条件。 预制房屋符合条件。

Kentucky Regular DAP在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Kentucky Regular DAP服务于在Statewide，Kentucky购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS) where MRB-funded loans waive first-time-homebuyer requirements and offer higher income/purchase-price limits.

Kentucky Regular DAP的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved through KHC's online Loan Reservation System by KHC-approved participating lender at time of rate lock. Subject to funding availability.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。