The calculator below is pre-filled with Fayette County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Kentucky's statewide figures.
County data last updated 2026-08-20. FIPS 21067. Full source list on /methodology.
All-in cost first, always — pre-filled with Fayette County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Kentucky.
How much house can I afford in Kentucky? →Kentucky's transfer tax on a median-priced $279,900 home is $280, and the seller customarily pays it. Here's what closing on a Kentucky home really costs.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Kentucky Housing Corporation (the state's Housing Finance Agency) offers first mortgages through approved lenders statewide: a Conventional Preferred 30-year fixed loan (3% down, 660 min. credit score, reduced mortgage insurance) plus government-insured options (FHA, VA, RHS/USDA-Rural) with a 620 min. credit score. The FHA/VA/RHS loans are typically funded as Mortgage Revenue Bond (MRB) products, which restrict eligibility mainly to first-time buyers statewide (repeat buyers only in KHC-designated targeted areas) and are subject to county-specific income limits. Higher-income buyers who exceed MRB limits can instead use KHC's Secondary Market funding source (income capped at 80% of area median income).
Second-mortgage down payment/closing-cost assistance of up to $12,500 (in $100 increments), structured as a loan repaid to KHC over 15 years at a fixed 4.75% interest rate. Must be paired with a KHC first mortgage; no liquid-asset review and no cap on borrower reserves. Available to both first-time and repeat buyers who meet KHC's Secondary Market or Mortgage Revenue Bond income limits.