A Statewide Program for Hombuyers Provides Up To 5% Borrower Assistance!
KANSAS HOUSING ASSISTANCE PROGRAM IS A STATEWIDE PROGRAM FOR FIRST-TIME HOMEBUYERS.
FIRST-TIME HOMEBUYERS CAN RECEIVE UP TO 5% DOWN PAYMENT ASSISTANCE GRANT WITH THEIR FIRST HOME MORTGAGE.

Sedgwick County and Shawnee County are the co-sponsors of this STATEWIDE first-time homebuyer program.

QUALIFICATIONS

To qualify for the Kansas Housing Assistance Program you must:

Have qualifying credit - a minimum credit score of 640 for USDA-RA, VA and conventional loans or a minimum credit score of 660 for FHA loans.

Be a first-time homebuyer – have not owned a home in the past three years, unless the home to be purchased is in a Targeted Area Census Tract

Meet the income and purchase price limit - see below

Purchase one of the following types of homes:
  • Single family detached homes
  • Duplex (provided one unit owner occupied)
  • Condominiums
  • Townhome

PROGRAM BENEFITS

A 30-year fixed rate mortgage loan with up to a 5% grant for cash assistance for down payment or closing costs.

Unlimited funding of 30-year fixed rate mortgage loans:
  • FHA 203(b): 4% or 5%
  • USDA-RD: 2%
  • VA: 2%
  • Conventional: 0%, 4% or 5%
Mortgage rates set daily (Contact a participating lender for current rates)

HOW TO APPLY

Contact any of the participating lenders listed on the Locate a Lender Page

INCOME LIMITS

NON-TARGET AREA*
GOVERNMENT (FHA, USDA, VA)
115% AMI

Maximum Income

Kansas City MSA - $86,020
(Leavenworth, Wyandotte, Johnson, Linn & Miami)

Lawrence MSA - $78,775
(Douglas)

Manhatten MSA - $80,845
(Riley & Pottawatomie)

All Other Areas - $78,775

CONVENTIONAL (FHLMC)
140% AMI

Maximum Income

Kansas City MSA - $104,720
(Leavenworth, Wyandotte, Johnson, Linn & Miami)

Lawrence MSA - $95,900
(Douglas)

Manhatten MSA - $98,420
(Riley & Pottawatomie)

All Other Areas - $95,900

*More than 90% of the State is in a Non-Target Area.

PURCHASE PRICE LIMITS

NON-TARGET AREA*
NEW AND EXISTING HOMES

Maximum Purchase Price

Kansas City MSA - $265,609
(Leavenworth, Wyandotte, Johnson, Linn & Miami)

All Other Areas - $258,690

Contact a lender for income and purchase price limits for targeted areas.
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