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HAF Grantee Plan - HAFP-0062 -Kentucky Housing Corporation - Extracted 02/15/2022 21:27:04

United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by Kentucky Housing Corporation

HAF Grantee Plan Name

HAFP-0062
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United States Department of the Treasury

Homeowner Assistance Fund Plan For Participants 

with Allocations $5 million or Greater

Allocation Amount $5 Million or Greater

Submission Date 12/15/2021 11:42 AM

Total Plan Requested Amount $85,453,322.00

Record Type State

Application Record SLT-0004

HAF Grantee Plan Status (external) Funded
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Homeowner Needs and Community Engagement

What Quantitative Data Has Informed the Participant’s Planning?

Treasury will assess the extent to which a Participant has, in the course of its HAF planning process, relied on

quantitative data, including from community-based organizations or organizations that serve potentially

eligible homeowners. 

In its HAF planning process, has the Participant obtained quantitative data from mortgage servicers, private

data providers, government entities, community-based organizations, or other sources to inform its planning

about how to target and best serve eligible homeowners with mortgage delinquencies, defaults, foreclosures?

Yes

If yes, please list and, briefly describe each source of quantitative data.

1. Data provided by Treasury – Treasury provided data, contributed by a number of federal

agencies, including information on mortgage delinquencies and forbearances, breakdowns by

demographic factors, and concentration among mortgage servicers.

2. Data provided by CoreLogic- CoreLogic provided a 3-year comparison of Kentucky counties’

90+ delinquencies, foreclosures, and completed foreclosures from 2018 through 2020. 

3. Data provided by Urban Institute-, Data provided by Urban Institute demonstrated an

average of 5.3% of mortgage loans overall were in forbearance. 

4. Data provided by bureau of labor statistics and workforce development-Data used to identify

labor and employment trends in the state of Kentucky demonstrating an unemployment rate

greater than 10%1. 

5. County taxes: raw data of delinquent property taxes of all 120 Kentucky counties resulting in

over $5M of reported delinquent taxes in 2020-21. 

6. Data collected by Kentucky Housing Corporation’s distressed mortgagors.

Full detail is provided in the Program Design Plan document uploaded.

In its HAF planning process, has the Participant obtained and reviewed quantitative data or studies regarding

which demographic segments in its jurisdiction have historically experienced discrimination in the housing or

housing finance market?

Yes

If yes, please list and, briefly describe each source of quantitative data.

1. Poe, J. (2017) Redlining Louisville: Racial Capitalism and Real Estate. This interactive story

map details the perils often faced by minorities when seeking homeownership resulting in

displacement and unequal opportunities to mortgage lenders.

2. KyStats.Gov: Poverty rates by County
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HAF Grantee Plan - HAFP-0062 -Kentucky Housing Corporation - Extracted 02/15/2022 21:27:04

In its HAF planning process, has the Participant obtained quantitative data from utility providers or entities

charged with assessing and collecting property taxes or relied on quantitative data or studies to inform its

planning about how to target and best serve eligible homeowners at risk of displacement due to utility

arrearage or tax foreclosure?

Yes

If yes, please list and, briefly describe each source of quantitative data.

1. County taxes: raw data of delinquent property taxes of all 120 Kentucky counties resulting in

over $5M of reported delinquent taxes in 2020-21. 

2. Data collected by Kentucky Housing Corporation’s distressed mortgagors.

In the following text box, please list any source not listed above of quantitative information, including

sources of data on the performance of any of the Participant’s previously implemented programs, that the

Participant used to inform its HAF planning process, briefly describe how the data informed the Participant’s

planning.

1. Hardest Hit Fund (HHF) performance data: KHC operated a successful HHF program and

used data from this program to inform the HAF program design.

Did the Participant communicate with mortgage servicers regarding the development of its program design?

Yes

Did the Participant communicate with other HAF participants regarding the development of its program

design?

Yes

How Has Community Engagement and Public Participation Informed the

Participant’s Planning?

Treasury will assess the extent to which a Participant’s assessment of homeowner needs has been informed

by and reflects input from organizations and individuals representing eligible homeowners, including any

opportunities for public participation in the development of the Participant’s plan. Treasury will pay

particular attention to the extent of the Participant’s engagement with populations that are the subject of

statutory targeting requirements.

Has the Participant requested and received input on its HAF planning process from providers of housing

counseling services or providers of legal assistance to homeowners facing foreclosure or displacement?

Yes

Provider information

If yes, please list such providers, including the providers’ address and website. Please indicate by checking

the appropriate box below if the provider’s primary purpose is to serve low- and moderate-income

households or to address the impacts of housing discrimination on one or more demographic groups in the

Participant’s jurisdiction.
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HAF Grantee Plan - HAFP-0062 -Kentucky Housing Corporation - Extracted 02/15/2022 21:27:04

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Catholic Charities, Diocese of Covington

3629 Church Street ,Covington,Kentucky 41015

http://www.covingtoncharities.org

Bell-Whitley Community Action Agency

129 Pine Street ,Pineville,Kentucky 40977

http://www.bellwhitley.com

Brighton Center

741 Central Avenue ,Newport,Kentucky 41071

http://www.brightoncenter.com

Community Ventures

1450 N Broadway ,Lexington,Kentucky 40505

http://www.cvky.org

Housing Assistance and Development Services, Inc.

215 E 12th Ave #2016 ,Bowling Green,Kentucky 42101

http://www.handsinc.net

Daniel Boone Community Actino Agency

1535 Shamrock Road ,Manchester,Kentucky 40962

http://www.danielboonecaa.org

The Housing Partnership, Inc.

1512 Crums Lane #401 ,Louisville,Kentucky 40216

http://www.wearehpi.org

KCEOC Community Action Partnership, Inc.

5448 N US Hwy 25E ,Gray,Kentucky 40734

http://www.kceoc.org

LKLP Community Action Council, Inc.

398 Roy Campbell Drive ,Hazard,Kentucky 41701

http://www.lklp.org

Louisville Urban League

1535 West Broadway ,Louisville,Kentucky 40203

http://www.lul.org

Apprisen Financial Advocates

2265 Harrodsburg Road, Suite 303 ,Lexington,Kentucky 40504

http://www.apprisen.com

Has the Participant requested and received input regarding its HAF planning process from community-based

organizations or organizations that serve potentially eligible homeowners?

Yes
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Community Information

If yes, please list such organizations, including the providers’ address and website if available. Please

indicate by checking the appropriate box below if the provider’s primary purpose is to serve low- and

moderate-income households or to address the impacts of housing discrimination on one or more

demographic groups in the Participant’s jurisdiction.

Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Kentucky Housing Corporation Loan Servicing Department

1231 Louisville Rd, Frankfort, Kentucky 40601

http://www.kyhousing.org

JP Morgan Chase

270 Park Avenue, New York, New York 10017

http://www.jpmorganchase.com

Kentucky Governor's Office of Constituent Services

700 Capital Avenue, Suite 100, Frankfort, Kentucky 40601

http://www.governor.ky.gov/services/constituent...

Bank of America

100 North Tryon Street, Charlotte, North Carolina 28255

http://www.bankofamerica.com

Wells Fargo Bank NA

420 Montgomery Street, San Francisco, California 94104

http://www.wellsfargo.com

Has the Participant consulted with localities or tribal governments (cities, counties, or rural communities) in

its jurisdiction regarding the needs of eligible homeowners in its jurisdiction?

No

Has the Participant provided an opportunity for public input regarding its HAF Plan through public hearings

or published materials?

No

How Will the Participant Continue to Assess the Needs of Eligible

Homeowners?

Treasury anticipates that an ongoing process of assessing the needs of eligible homeowners will help address

the needs of potentially eligible homeowners as economic conditions change over time.
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Does the Participant plan to update its assessment of community needs within the next year to determine

whether its HAF program design should be updated to address changing needs of potentially eligible

homeowners?

Yes

What additional data would be helpful to the Participant as it seeks to assess homeowner needs over time?

Kentucky will review denied files to identify common denial reasons. Also, Kentucky will engage

in ongoing, open communication with housing counseling agencies and servicers.
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Program Design

What are the Program Design Elements Through Which the Participant Will

Deliver HAF Assistance to Eligible Homeowners?

A program design element is a specific activity or program, which is consistent with a qualified expense

category, under which a Participant will disburse HAF funds in accordance with the HAF Plan. Please note

that multiple program design elements may fit under a single qualified expense category; for example, a

mortgage assistance program that has different terms for federally backed mortgages and manufactured-home

mortgages may constitute two separate program design elements, for which case the Participant provides a

separate term sheet or other description for each program design element. 

HAF participants must have at least one program design element intended to reduce mortgage delinquency

among targeted populations. Treasury encourages HAF participants to consider program design elements that

address homeownership preservation for targeted populations in areas where there is a sustained trend of

increasing property taxes or utility costs, including for households that do not have mortgages.

Please identify each qualified expense category in which the Participant will offer a program design element

by checking the boxes below.

mortgage payment assistance 

 mortgage principal reduction, including with respect to a second mortgage provided by a nonprofit

or government entity 

 payment assistance for homeowner’s utilities, including electric, gas, home energy, and water 

 payment assistance for homeowner’s insurance, flood insurance, and mortgage insurance 

 payment assistance for delinquent property taxes to prevent homeowner tax foreclosures 

 payment assistance for down payment assistance loans provided by nonprofit or government

entities 

 financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing-related

costs related to a period of forbearance, delinquency, or default 

facilitating mortgage interest rate reductions 

 payment assistance for homeowner’s internet service, including broadband internet access service,

as defined in 47 CFR 8.1(b) 

 payment assistance for homeowner’s association fees or liens, condominium association fees, or

common charges 

 measures to prevent homeowner displacement, such as home repairs to maintain the habitability of

a home or assistance to enable households to receive clear title to their properties 
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For each program design element that the Participant will offer, the Participant is required to upload a term

sheet or other description, that, at a minimum, provides the following information regarding that program

design element. Term sheets for all of Participant’s HAF programs may be uploaded together as one

document.

Title Upload Date

KY HAF Utility Assistance Program 8/19/2021 10:38 AM

KY Non Escrowed Property Charge Term Sheet 8/19/2021 10:38 AM

KY Mortgage Assistance Reinstatement Term Sheet 8/19/2021 10:38 AM

KY Non Escrowed Property Charge Term Sheet 12/15/2021 10:28 AM

HOAF MANUAL V1_09.14.2021 11/23/2021 3:45 PM

Kentucky_HAFP-0062_Feedback_12.13.21 12/15/2021 11:41 AM

Kentucky_HAFP-0062_Feedback_11-05-21 11/23/2021 3:45 PM

KY HAF Utility Assistance Program 12/15/2021 10:28 AM

HoAF Program Design Plan 11/23/2021 3:45 PM

KY Mortgage Assistance Reinstatement Term Sheet 12/15/2021 10:28 AM

A HAF participant may elect to revise its HAF Plan over time to add or subtract program design elements.

Does the Participant anticipate adding additional program design elements to this HAF Plan within one year

of this submission?

Yes

Treasury has provided sample term sheets to assist HAF participants in developing their HAF plans.

Participants may use these sample term sheets, in whole or in part, as part of their submission. To the extent

the Participant intends to structure the program differently with respect to significant program terms

described in the Sample Term Sheets, Treasury will, in the course of its review of the HAF Plan, request a

justification for how the alternate approach will further the objectives of the HAF, including targeting and

prioritization requirements. In the chart below, the HAF Participant may provide a justification for significant

deviations from the terms described in the sample term sheets upon initial submittal. (optional for initial

submission)
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HAF Grantee Plan - HAFP-0062 -Kentucky Housing Corporation - Extracted 02/15/2022 21:27:04

Program

Design

Element

Deviation from sample terms Justification

Form of

Assistance

Assistance will be structured as

a grant with two (2) year deed

restriction.

Kentucky is adding the two-year deed restriction for two

reasons. First, the deed restriction will assist us in

tracking homeowner retention as it will show up on any

title search should the homeowner sell or refinance the

mortgage. Second, the deed restriction gives KY some

recourse in the event of fraud.

Removed

component

under Brief

Description

Kentucky removed the

following sentence from the

Sample Terms in our program

design element: HAF funds will

only be used to supplement

other loss mitigation measures

offered by the servicer or where

HAF funds are necessary for

the homeowner to qualify for

other such loss mitigation

measures.

This seems overly burdensome to not only homeowners

but also to participating servicers. This was not a

requirement under the HHF program. The HAF program

could help avoid partial claims that would strip home

equity for low- to moderate-income homeowners.

Maximum

Amount of

Assistance

Kentucky will apply an overall

HAF Program Cap, regardless

of eligible use.

This will permit our program to be more flexible to serve

the homeowner needs rather than applying limits per

program (mortgage payments vs. reinstatement vs. HOA's

vs. taxes vs. insurance vs. utilities. If Homeowner A

needs the full $35,000 for reinstatement and Homeowner

B needs $20,000 for reinstatement, $8,000 in forward

mortgage payments, $5,000 for past due property taxes,

and $2,000 for utility arrearage, Kentucky's program will

be structured in a way that we can easily apply funds for

maximum homeowner benefit.

Documentation of Homeowner Income

Homeowners are eligible to receive amounts allocated to a HAF participant under the HAF only if they have

incomes equal to or less than 150% of the area median income or 100% of the median income for the United

States, whichever is greater. In addition, not less than 60% of amounts made available to each HAF

participant must be used for qualified expenses that assist homeowners having incomes equal to or less than

100% of the area median income or equal to or less than 100% of the median income for the United States,

whichever is greater. The HAF guidance describes permissible ways for HAF participants to determine

homeowner income.

Under the HAF guidance, one permissible approach for determining income is for (1) the household to

provide a written attestation as to household income and (2) the HAF participant to use a reasonable

fact-specific proxy for household income, such as reliance on data regarding average incomes in the

household’s geographic area. Will the Participant allow income to be determined in this way?

No

Under the HAF guidance, HAF participants may provide waivers or exceptions to this documentation

requirement as reasonably necessary to accommodate extenuating circumstances, such as disabilities,
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practical challenges related to the pandemic, or a lack of technological access by homeowners; in these cases,

the HAF participant is still responsible for making the required determination regarding household income

and documenting that determination. Will the Participant allow applicants to request such waivers or

exceptions?

Yes

Eligible Mortgage Types

Please indicate which of the following mortgage types are eligible to be assisted under one or more of the

Participant’s program design elements.

 First Mortgages 

 Reverse Mortgages (Home Equity Conversion Mortgages, Single-Purposes Reverse Mortgages, or

Proprietary Reverse Mortgages) 

 Contracts for Deed or Land Contract (if it is a credit transaction secured by a consensual security

interest in a dwelling) 

 Second Mortgages 

 Loans Secured by Manufactured Housing (secured by real estate or dwelling) 

If the Participant excludes any of the forgoing mortgage types from one or more program design elements,

explain the exclusion.

Contracts for Deed or Land Contracts in Kentucky are rarely recorded in official record, most

often a very informal or verbal arrangement. Documenting arrearages would be similarly

challenging and the possibility of fraud is great. Also, loans secured my manufactured housing

will be permitted in Kentucky but the property must be owned by the homeowner applicant.

Kentucky's structure of program is a grant with deed restriction so the homeowner must own the

land on which the manufactured home is secured. This is how Kentucky structured its HHF

program as well.

How Will the Participant Target HAF Resources Consistent with Statutory

Requirements? 

The Participant must describe how it will target HAF resources in accordance with the HAF guidance.

Targeting strategies are affirmative efforts to inform, encourage the participation of, and facilitate access to

resources for targeted households, including by offering multiple intake formats, engaging with nonprofit

organizations (e.g., housing counselors or legal services organizations) to provide additional pathways into

the program, and providing community outreach, partnerships with housing counseling agencies or legal aid

organizations, or other educational services that are aligned with the HAF participant’s program design, in a

manner that is culturally and linguistically relevant to the targeted communities.

Defining Socially Disadvantaged Individual

Please describe the process the Participant will use to determine whether a homeowner is a “socially

disadvantaged individual” as defined in the HAF guidance.
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Kentucky will create reports to capture unique casefiles for which the race/ethnicity of one or

more of the homeowners is other than White/Caucasian or the subject property is in a

persistent-poverty county.

Public Communications

Will the Participant engage in a public communications campaign to raise awareness among targeted

populations about the availability of HAF resources, in media such as television, newspapers, online media,

or social media?

Yes

If yes, please indicate whether the public communications campaign will include communications that

primarily target the following populations:

 Homeowners earning less than 100% of area median income 

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 

 resident of a majority-minority Census tract; (3) 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land 

 homeowners in persistent poverty counties; 

 individual with limited English proficiency 

Please indicate in which languages, in addition to English, public communications to targeted populations

will be undertaken:

Spanish; Chinese; Haitian Creole; Other

Please list any other languages.

Portuguese, Swahili, Amharic, and Somali.

Outreach

Will the Participant engage in outreach through partnerships with organizations that focus primarily on

serving homeowners earning incomes below 100% of area median income or socially disadvantaged

individuals and that have the capacity to engage targeted communities in a culturally and linguistically

relevant manner to encourage the submission of applications for HAF resources from targeted populations?

Yes

If yes, please indicate whether the community outreach efforts will include partnerships with organizations

that primarily target the following populations:

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 
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 resident of a majority-minority Census tract; (3) individual with limited English proficiency; 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land;

 homeowners that reside in persistent poverty counties; 

 individual with limited English proficiency. 

Please list any other languages.

Portuguese, Swahili, Amharic, and Somali.

Housing Counseling and Legal Services

Will the Participant facilitate access for eligible households to housing counseling or legal services?

Yes

If yes, please identify below the providers of housing counseling or legal services that have indicated to the

Participant that they are willing and able to support homeowners receiving assistance under the Participant’s

HAF programs. 

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Apprisen

2265 Harrodsburg Road, Suite 303 , Lexington, Kentucky 40504

http://www.apprisen.com

Bell-Whitley Community Action Agency

129 Pine Street , Pineville, Kentucky 40977

http://www.bellwhitley.com

Daniel Boone Community Action Agency

1535 Shamrock Drive , Manchester, Kentucky 40962

http://www.danielboonecaa.org

The Housing Partnership Inc.

1512 Crums Lane #401 , Louisville, Kentucky 40216

http://www.wearehpi.org

LKLP Community Action Council, Inc.

398 Roy Campbell Drive , Hazard, Kentucky 41701

http://www.lklp.net

REACH Inc.

733 Red Mile Road , Lexington, Kentucky 40504

http://www.reachky.com
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Brighton Center

741 Central Avenue , Newport, Kentucky 41071

http://www.brightoncenter.com

Housing Assistance and Development Services, Inc.

215 W. 12th Ave, #2016 , Bowling Green, Kentucky 42101

http://www.handsinc.net

Catholic Charities

3629 Church Street , Covington, Kentucky 41015

http://www.covingtoncharities.org

Community Ventures

1450 N Broadway , Lexington, Kentucky 40505

http://www.cvky.org

KCEOC Community Action Partnership, Inc.

5448 KY HWY 25E , Gray, Kentucky 40734

http://www.kceoc.org

Louisville Urban League

1535 W Broadway , Louisville, Kentucky 40203

http://www.lul.org

Legal Aid Society of Louisville

416 West Muhammed Ali Blvd Suite 300 , Louisville, Kentucky 40202

http://www.laslou.org

Kentucky Legal Aid

1700 Destiny Lane , Bowling Green, Kentucky 42104

http://www.klaid.org

Legal Aid of the Bluegrass

302 Greenup St , Covington, Kentucky 41011

http://www.lablaw.org

Appalachian Research and Defense Fund

120 North Front Avenue , Prestonsburg, Kentucky 41653

http://www.ardfky.org

Targeting specific groups of homeowners

Will the Participant conduct outreach specifically tailored to target potentially eligible households that:

 have mortgages or mortgage assistance contracts held or backed by the Participant? 

 have mortgages backed by any of the following agencies: Federal Housing Administration;

Department of Veterans Affairs; U.S. Department of Agriculture? 

 have privately held mortgages? 
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What Efforts will be Made to Address Barriers to HAF Program Participation for

Potentially Eligible Homeowners, Including Those with Limited English

Proficiency or Who are Disabled?

Targeted outreach may be needed to reach homeowners who are likely to experience barriers to access,

including persons with limited English proficiency and those with disabilities.

Indicate all of the languages, in addition to English, in which the Participant’s HAF application and other

program documents will be made available.

Spanish; Chinese; Haitian Creole; Other

Please list any other languages.

Portuguese, Swahili, Amharic, and Somali.

Will the Participant’s HAF applications and other program documents be provided in forms that are

accessible to persons with disabilities?

Yes
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Performance Goals

Treasury will consider the goals and benchmarks the Participant proposes to use to measure the effectiveness

of its programs, including whether those goals address the homeowner needs identified by the Participant, the

extent to which the goals are disaggregated by key homeowner characteristics as appropriate for the

jurisdiction, and whether they include a goal focused on reducing mortgage delinquency.

Please describe Participant’s goals and benchmarks for each of its programs with the following program

design elements.

Program

Design

Element

Metric of Success Goal

Mortgage

Payment

Assistance

Number of home losses

avoided due to HAF funds. Prevent 1200 home losses within 24 months.

Mortgage

Reinstatement

Number of home losses

avoided due to HAF Funds.

Reinstate mortgages for 900 homeowners within the

first 24 months.

Payment

Assistance for

Homeowners

Utilities

Number of homeowners

brought current on utility

arrearages.

Bring utility accounts current for 500 homeowners

within the first 24 months.

Payment

Assistance for

HOA fees or

liens

Number of home losses

avoided due to HAF Funds.

Prevent 250 properties from entering foreclosure due to

arrearages related to homeowner's associations,

condominium fees, assessments or other charges related

to HOA's.

Payment

Assistance for

Delinquent

Property Taxes

Number of properties

brought current with

non-escrowed property tax

bills.

Bring current past due property tax bills (non-escrowed)

for 250 homeowners within the first 24 months.

Payment

Assistance for

Homeowner’s

Insurance

Number of cancelled

homeowner's or flood

insurance policies prevented

with HAF Funds.

Bring current past due, non-escrowed homeowner's

and/or flood insurance policies for 250 properties in 24

months.
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Readiness

Staffing, Systems and Contractors 

Treasury seeks information regarding the Participant’s organizational capacity to implement its HAF Plan.

Does the Participant anticipate needing to hire additional staff to implement this HAF Plan?

Yes

Does the Participant anticipate significant information technology system upgrades to implement this HAF

Plan?

Yes

Does the Participant have policies or procedures that govern the implementation of each HAF program

design element described in this HAF Plan?

Yes

Will the Participant use HAF funds to assist eligible households through a program that was operational

before the Participant first received HAF funds?

No

Will the Participant use any third-party contractor or partner to conduct program administration (such as

reviewing applications, determining eligibility, processing payments, conducting reporting, and reviewing

compliance) for some or all of the Participant’s HAF programs?

Yes

If yes, has the Participant entered into all necessary arrangements with all of the third-party contractors or

partners that will conduct program administration?

Yes

Use of Initial Payment

If the Participant has already received any HAF funds from Treasury, provide the following information

about the use of such funds as of June 30, 2021.

What amount of the HAF funds that the Participant has received been disbursed to eligible homeowners?

$0.00

Has the Participant begun accepting applications from homeowners for any HAF-funded programs?
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No

How much of the HAF funds that the Participant has received been obligated?

$0.00

Provide a brief description of how the Participant has used the HAF funds it has received.

Initial start-up costs, staffing, systems.
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Budget

Budgeting of HAF Funds by Program Design Element 

Specify the amounts of HAF funds that the Participant proposes to allocate to each of the following program

design elements, if offered:

Measure Amount

Mortgage Payment Assistance $0.00

Mortgage Principal Reduction $0.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $0.00

Payment Assistance for Delinquent Property Taxes $0.00

Mortgage Reinstatement $0.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $0.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $0.00

Other measures to prevent homeowner displacement

Measure Amount

Mortgage Assistance/Reinstatement $54,476,492.80

Non-Escrow Taxes and Insurance $10,895,298.60

Assistance for Homeowners Association Fees and Liens $3,631,766.15

Assistance with Homeowners Utilities $3,631,766.15

Displacement Prevention Sub-Total $72,635,323.70

Counseling or Legal Services
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The Participant may allocate up to 5% of its HAF funds for counseling or educational efforts by housing

counseling agencies approved by the Department of Housing and Urban Development or a tribal government,

or legal services, target to households eligible to be served with funding from the HAF related to foreclosure

prevention or displacement.

Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $0.00

Legal Services $0.00

Services Sub-Total $0.00

Reimbursement of Funds Expended After January 21, 2020

As described in the HAF guidance, HAF funds may be used for reimbursement of certain expenses between

January 21, 2020 and the date when the first HAF funds are disbursed by the HAF participant under the HAF

for a qualified expense (with certain limitations, as set forth in the HAF guidance).

Type of Expense Amount

N/A $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses
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Type of Expense Amount

One-time/Start-up Expenses: Initial Personnel $246,000.00

One-time/Start-up Expenses: Building , Equipment, Technology $50,000.00

One-time/start-up Expenses: Professional Services $14,500.00

One-time/start-up Expenses: Marketing Communications $250,000.00

One-time/Start-up Expenses: Travel $3,000.00

One-time/start-up Expenses: Contingency $100,000.00

Operating/Administrative Expenses: Travel $36,000.00

One-time/Start-up Expenses: Website Development/Transition $500,000.00

Operating/Administrative Expenses: Professional Services (Legal, Compliance, Audit,

Monitoring)

$1,206,250.00

Operating/Administrative Expenses: Information Technology & Communications $300,000.00

Operating/Administrative Expenses: Office Supplies/Postage and Delivery/Subscriptions $40,000.00

Operating/Administrative Expenses: Training $16,000.00

Operating/Administrative Expenses: Marketing/PR $2,000,000.00

Operating/Administrative Expenses: Salaries $6,522,048.30

Transaction Related Expenses: Wire Transfer Fees $40,000.00

Transaction Related Expenses: Recording Fees $199,200.00

Counseling Expenses: Decision Costs $50,000.00

Counseling Expenses: Successful File $1,245,000.00

Administrative Expenses Sub-Total $12,817,998.30

Total Plan Requested Amount $85,453,322.00

Amount Requested Confirmation:

No
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Contacts

Please identify up to three contacts for the Participant- a primary contact, a designated point of contact for

reporting, and an additional contact.

Primary Contact

Name: Winston Miller

Agency/Office: Kentucky Housing Corporation

Email: wmiller@kyhousing.org

Phone Number: 5025647630

Reporting Contact

Name: Jaime W. Rice

Agency/Office: Kentucky Housing Corporation

Email: jrice@kyhousing.org

Phone Number: 5022429625

Additional Contact

Name: Melinda Breslin

Agency/Office: Kentucky Housing Corporation

Email: mbreslin@kyhousing.org

Phone Number: 5025647630

Proprietary or Otherwise Non-Public Information

Does your plan submission include any information or materials that are proprietary or otherwise non-public?

No

If "Yes," please indicate which information or materials are proprietary or otherwise non-public.
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HAF Grantee Plan - HAFP-0062 -Kentucky Housing Corporation - Extracted 02/15/2022 21:27:04

Title VI Assurances

You must provide on behalf of the HAF Participant assurances that the HAF Participant will comply with

Title VI of Civil Rights Act of 1964. Please download the assurances, then review, sign, and upload the

signed copy to this page before submitting the HAF Plan.

Title Upload Date

Title VI Assurance 8/18/2021 12:27 PM
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HAF Grantee Plan - HAFP-0062 -Kentucky Housing Corporation - Extracted 02/15/2022 21:27:04

Official Certification

I (the undersigned) certify that the information provided in the HAF submission is accurate and complete

after reasonable inquiry of people, systems, and other information available to the HAF Participant. The HAF

participant and I acknowledge that any materially false, fictitious, or fraudulent statement or representation

(or concealment or omission of material fact) in this submission may be the subject of criminal prosecution

under the False Statements Accountability Act of 1996, as amended, 18 U.S.C. § 1001 and also may subject

me and HAF Participant to civil penalties and/or administrative remedies for false claims or otherwise,

(including 31 U.S.C. §3729 et seq.). I am an authorized representative of HAF Participant with authority to

make the above certifications and representations on behalf of the HAF Participant.

Name of HAF Participant:

Kentucky Housing Corporation

Name and Title of Certifying Official

Name: Jaime W Rice

Title: Managing Director of Single-Family Programs

Telephone: 5022429625

Email: jrice@kyhousing.org