Kentucky Housing Corporation

Kentucky Housing Corporation A portion of Kentucky Housing's funds are derived from the interest earned through the sale of tax-exempt mortgage revenue bonds.

As Kentucky’s Housing Finance Agency, KHC is a self-supporting, quasi-governmental entity whose mission is to invest in affordable housing solutions across the state. Kentucky Housing Corporation, created by the 1972 General Assembly, is a self-supporting, public corporation of the Commonwealth of Kentucky administratively attached to the Finance and Administration Cabinet. From these proceeds, Kentucky Housing has made homeownership possible for more than 76,000 Kentucky families. Kentucky Housing also operates through the receipt of fees for administering federal programs including rental assistance that makes safe, decent, affordable housing available to more than 27,000 low-income Kentuckians. Other programs additionally offered by Kentucky Housing include rental housing production financing, homeownership education/counseling and a variety of rental assistance, housing rehabilitation and home repair initiatives. Kentucky Housing works with many partners across the state, including lenders, government agencies, nonprofit housing providers, builders, real estate agents, community organizations and developers, to create affordable housing opportunities through an array of programs and services.

09/21/2026

“The homebuyer would not have been able to afford a home that would be very little maintenance for her and have an affordable payment so that she has the extra income each month… to buy those groceries and to buy gas. This downpayment of 25% really puts a lot of people in the market.” –Connie Lancaster, HomePlace Mortgage

KHC’s new Shared Appreciation Mortgage (SAM) program offers up to 25% of a home’s purchase price or appraised value to help cover your down payment and closing costs in the form of a 0% interest, deferred payment second mortgage.

In exchange, the homebuyer agrees to share a percentage of the home’s future appreciation with KHC. When a homeowner sell the home, refinance, or reach a set maturity date, they'll repay the original loan amount plus an agreed-upon share of any increase in the home's value.

Income limits and other eligibility requirements apply. Learn more about KHC's new SAM program at the link in the comments!

Factory-built homes offer faster construction timelines than traditional site-built housing, but their use in Kentucky's...
09/21/2026

Factory-built homes offer faster construction timelines than traditional site-built housing, but their use in Kentucky's nonprofit housing development sector remains limited due in part to lack of available information on plans and pricing.

KHC has released an RFP inviting Kentucky modular and HUD Code manufactured home builders to submit floor plans, elevations, and pricing for a Standardized Modular and/or Manufactured Home Plan Book to be compiled by KHC. The Plan Book will serve as a pre-qualified catalog for nonprofits and housing agencies statewide, thus accelerating housing development.

The RFP is the first step in an initiative to replace outdated mobile homes across Kentucky for which the Corporation was recently awarded funding from HUD's Preservation and Reinvestment Initiative for Community Enhancement (PRICE).

⏰ The RFP deadline has been extended to Friday, September 25, 2026. Learn more at the link in the comments.

Kay and Miranda from our Single-Family Programs department represented KHC at the Mortgage Bankers Association of the Bl...
09/18/2026

Kay and Miranda from our Single-Family Programs department represented KHC at the Mortgage Bankers Association of the Bluegrass Golf Scramble and won Best Sponsor Table! 🏆⛳

Next Up: NSPIRE-V: OutsideJoin us for Session 2 of Kentucky Housing Corporation’s NSPIRE-V Webinar Training Series on Se...
09/10/2026

Next Up: NSPIRE-V: Outside

Join us for Session 2 of Kentucky Housing Corporation’s NSPIRE-V Webinar Training Series on September 22 at 2 p.m. EST.

This session will focus on exterior inspection requirements, common outside deficiencies, and what Public Housing Agencies should watch for when preparing for NSPIRE-V inspections.

There is no cost to participate.

Register today. Visit the link in our bio.

Yesterday, Miranda and Kay traveled to Owensboro to teach a Realtor CE with the Greater Owensboro Realtors Association! ...
09/09/2026

Yesterday, Miranda and Kay traveled to Owensboro to teach a Realtor CE with the Greater Owensboro Realtors Association! 🏡

Want to bring a Realtor CE to your area? Reach out to [email protected] to schedule one today!

We celebrate the accomplishments of all workers, especially our own, this Labor Day. Thank you for helping to provide Ke...
09/07/2026

We celebrate the accomplishments of all workers, especially our own, this Labor Day. Thank you for helping to provide Kentuckians affordable, decent housing solutions.

KHC will be closed Monday, September 7, in observance of Labor Day. We will reopen at 8 a.m. Tuesday, September 8, 2026....
09/04/2026

KHC will be closed Monday, September 7, in observance of Labor Day. We will reopen at 8 a.m. Tuesday, September 8, 2026. Wishing you a restful holiday!

Yesterday, Melissa Johnson (KHC) attended a first time homebuyer seminar at the Bullitt County Public Library with Darre...
08/26/2026

Yesterday, Melissa Johnson (KHC) attended a first time homebuyer seminar at the Bullitt County Public Library with Darrell DeVore NMLS 266049, Loan Officer at Supreme Lending NMLS 2129 (Supreme Lending). We're proud to work with partners who help bring homeownership within reach!

Thank you to all those who took part in the 2026 Kentucky Affordable Housing Conference, Framing Kentucky's Future, pres...
08/21/2026

Thank you to all those who took part in the 2026 Kentucky Affordable Housing Conference, Framing Kentucky's Future, presented by PNC and OCCH.

We welcomed 65+ speakers, including:
-Governor Andy Beshear
-Chuck Marohn, Founder of Strong Towns
-Susan Tyler Witten, Chair of Kentucky’s Housing Task Force
-Brandi Snowden, National Association of REALTORS®

With standout speakers, 52 organizations joining us as a sponsor or exhibitor, and 600 attendees – we all left with some good takeaways and new, or renewed, connections!

Let's keep the conversations going and continue collaborating to help bring more affordable, accessible housing within reach for people across the Commonwealth.

Don’t miss announcements for next year’s conference. Subscribe to emails from KHC on our website (link in bio).

Address

1231 Louisville Road
Frankfort, KY
40601

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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