Assistance program · Kansas
First Time Homebuyer Program
Kansas state corporation 0% loan for 15% or 20% of the price for the down payment and closing costs, forgiven after 10 years in the home, for households with income up to 80% of the area median; not available in Johnson County or in Kansas City, Lawrence, Topeka and Wichita
At a glance
- Kind of help
- Forgivable
- Second loan forgiven if you stay in the home
- First-time buyer?
- Not stated — ask
- The source does not say whether you must be a first-time buyer
- Checked
- November 5, 2026
- Against the program's official page.
Type of help
What it is
- Second loan forgiven if you stay in the home
What it gives
Source text
15 or 20% of the home's purchase price … If the homebuyer remains in the home for 10 years, the loan is forgiven! A summary of what the program publishes; not a loan offer or advice. Amounts, limits and funding change without notice.
At a glance
Who qualifies
Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.
Source text
Kansans across the state who have a median income at or below 80% of their area … except for those purchasing in Johnson County, and the city limits of Kansas City, Lawrence, Topeka, and Wichita. - First-time buyers only Not stated — ask
- Homebuyer course required Not stated — ask
- Minimum credit score Not stated — ask
- Income limit A flat cap; see the source
- Price limit Per the program table
- Mortgages it works with Not stated — ask
- Immigration requirement Citizenship or qualified-alien status, per the source
- Accepts ITIN? No
- Spanish materials Not stated — ask
- Program status The source does not say whether it is open — ask
- Where it applies All of Kansas
What its page says about being open
Its page does not say whether the program is open or has funds. Ask the lender or the agency before counting on it. Read on the official page on November 5, 2026.
Your area in numbers
What buying costs in Kansas
The program covers all of Kansas. The first column is Kansas's figure; the second runs from the lowest to the highest among its counties. Limits change by county: check yours.
The program sets its maximum price in a table. Compare it with the typical home value in Kansas: $217,200.
The typical home value ($217,200) fits within Kansas's FHA limit ($541,287).
| Figure | Kansas | Lowest to highest | Source |
|---|---|---|---|
| Typical home value | $217,200 | $64,600 (Jewell County) to $391,200 (Johnson County) | U.S. Census Bureau |
| FHA limit (one-unit home) | $541,287 | $541,287 in all 105 counties | HUD |
| Conforming limit (one-unit home) | $832,750 | $832,750 in all 105 counties | FHFA |
| HUD low income (80%), household of 4 | $70,300 | $68,550 (Barber County) to $90,700 (Wyandotte County) | HUD |
Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024) · FHA mortgage limits (HUD) (2026 data) · Conforming loan limits (FHFA) (2026 data) · Income Limits (HUD) (Fiscal year 2026)
Step by step
How to use it, step by step
Each step comes from what the program's page says. What its page leaves out is further down, in the questions.
Find a participating lender-
Ask first whether it is open
Its page does not say whether it is open or still has funds. That is the first thing to ask.
-
Check the income cap
The program uses a fixed cap. Its page says what it is and which income counts.
-
Check your county's maximum price
The program sets a maximum price per county in its table.
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Find a participating lender: state programs do not take applications directly; the lender reserves the assistance while processing your mortgage.
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Compare the total cost before you sign
Ask about the total cost. The mortgage with assistance may carry a higher rate than without it, and some programs charge for the course or a fee.
Before you call
What to ask
Its page leaves 7 points unclear. Write them down for when you talk to Kansas Housing Resources Corporation.
What its page does not say
- Is it open now, and does it still have funds?
- What is the most it gives, and how is it calculated?
- Is it only for first-time buyers?
- Do you require a homebuyer course? Which ones do you accept, and what do they cost?
- What minimum credit score do you require?
- Which mortgage types does it work with: FHA, VA, USDA or conventional?
- Do you have materials or staff in Spanish?
Worth asking for this kind of help
- After how many years is the loan forgiven, and what happens if I sell or refinance before then?
Sources
How we checked this program
We read the program's official pages on November 5, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.
We check every program again. If more than 180 days pass without a check, the page says so.
Get free help applying
A HUD-approved housing counselor explains the program's requirements, goes over your numbers and tells you what to ask the lender. They do not sell loans.
Find a counselor (HUD)Read before you apply
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Help and programs
Down payment assistance: how it works
What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
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Help and programs
HUD housing counselors: what they do and what they cost
What a HUD-approved housing counselor does, what they help with (buying, renting, missed payments, credit), what they may charge and how to find one.
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Help and programs
Public charge and housing: what the rules say
Public charge: which housing help DHS may consider, who is exempt, how HUD prorates assistance for mixed-status families and where to get free advice.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.