Do You Qualify?

◆ A simple eligibility checklist for Louisville Metro DPA and KHC programs

⚖ Disclaimer: I'm a real estate agent, not a lender or attorney. Program details, income limits, and funding availability change frequently. Always confirm current requirements directly with the program or a licensed lender.

Hey there, most renters have no idea these programs exist. Use this checklist to see if you might qualify — and if you do, let's talk about next steps.

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What's Inside

1. Louisville Metro DPA Checklist 2. KHC Checklist 3. Income Limits 4. Property Requirements 5. Next Steps

1. Louisville Metro DPA Checklist

Check each box that applies to you. If you can check most of these, you're likely a strong candidate.

☐ You're purchasing a home in Jefferson County
☐ The home will be your primary residence
☐ You do not currently own a home
☐ Your household income is at or below 80% of the Area Median Income (see table below)
☐ You have no unpaid collections or charge-offs
☐ Any bankruptcy was discharged at least 1 year ago
☐ You can contribute at least $500 plus recording fees
☐ You'll complete a 6-hour HUD-approved homebuyer counseling course
☐ If married, both spouses will apply as co-applicants

💡 Note: The program reopens for applications periodically and funding is limited. Apply early when the window opens.

2. KHC Checklist

KHC assistance can be combined with a KHC first mortgage. Here's what you need:

☐ You'll use a KHC first mortgage (FHA, VA, USDA, or Conventional)
☐ Your credit score is at least 620 (FHA/VA/USDA) or 660 (Conventional)
☐ Your household income falls within KHC program limits for Jefferson County
☐ You'll complete a homebuyer education course
☐ You're purchasing a home within KHC purchase price limits

💡 Pro tip: KHC's $12,500 is a repayable second mortgage at a fixed rate — not a grant. But it's still a powerful tool to get you into a home sooner.

3. Income Limits

Louisville Metro DPA uses 80% of Area Median Income as the ceiling. Here are the 2026 limits:

Household Size	Max Annual Income
1 Person	$55,450
2 People	$63,400
3 People	$71,300
4 People	$79,200
5 People	$85,550
6 People	$91,900
7 People	$98,250
8 People	$104,550

KHC income limits vary by county and program. Confirm current limits with your KHC-approved lender.

4. Property Requirements

Both programs have rules about the home you can purchase:

Louisville Metro DPA

Existing single-family homes: Purchase price cap of $260,000
New construction single-family: Purchase price cap of $331,000
Must pass a Louisville Metro Housing inspection and a private inspection
Flood plain properties are not eligible
Must be located in Jefferson County

KHC

Purchase price limits vary by county — confirm for Jefferson County
Must be a primary residence
Property must meet FHA/HUD minimum standards
Can be a single-family home, townhome, condo, or new construction

5. Next Steps

If you checked most of those boxes, here's what to do next:

Complete homebuyer counseling. Take a 6-hour HUD-approved course — both you and any co-applicant must complete it.
Get pre-approved with a lender. Find a lender familiar with Louisville Metro DPA and KHC programs.
Apply to the program. Submit your application through the Louisville Metro portal or your KHC lender.
Allow 45 days for review. Metro needs time to verify your eligibility.
Start shopping with your realtor. Once you have your eligibility letter, you can start making offers.
Close and move in! Once all conditions are met, you'll close on your new home.

💡 Timing matters: Your purchase contract should allow enough time for Metro processing. Incomplete files don't move forward, and late extensions can jeopardize your deal.

📌 Ready to find out if you qualify? Let's talk. I'll help you navigate the process — no pressure, no obligation. Email me or call/text (502) 299-5252