First-Time Home Buyer Programs in Kansas

Kansas Housing Resources Corporation (KHRC) Programs:

First Time Homebuyer Program:

Eligibility: First-time buyers (no homeownership in past 3 years), single parents, displaced homemakers, or owners converting manufactured homes on leased land.
Offerings: 0% interest second loan of 15% or 20% of purchase price (max ~$40,000); forgiven after 10 years if retained as primary residence.
Requirements:

• Income ≤ 80% AMI (excludes Johnson County and city limits of Topeka, Lawrence, Wichita, Kansas City). Check program eligibility.
• Credit score ~640 (varies by lender).
• Debt-to-income ≤ 45% (50% with compensating factors).
• Homebuyer education course required.

KansasDPA Program:

Benefits: 4% of purchase price as a grant for down payment/closing costs with a 30-year first mortgage. Co-sponsored by Sedgwick & Shawnee Counties. Learn more about KansasDPA.

Local Programs:

Topeka (TOTO)

Opportunity to Own: Up to $10,000 for down payment + $30,000 repair assistance; must remain for 5 years; income ≤ 80% AMI. Program details.

Leavenworth

City Home Ownership Program: Up to $8,000 grant; forgiven after 5 years; income-dependent. More info.

Wichita (HOMEownership 80)

Grant Program: Up to $15,000 through partners like Habitat; forgivable based on occupancy period (5 or 10 years) for buyers ≤ 80% AMI. Details.

Additional Information:

• Mortgage Credit Certificate (MCC): Not offered in Kansas.
• USDA Loans: Zero-down for eligible rural buyers.
• VA Loans: Zero-down for eligible veterans/active-duty military.
• FHA Loans: 3.5% down (credit ≥ 580; 10% if lower).