NOW YOU  CAN BE A HOMEOWNER!

Kansas Housing Assistance Program offers

Up to 5% Cash 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 60 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.

30-year fixed rate mortgage loans:

  • FHA 203(b): 4% or 5%
  • USDA-RD: 2%
  • VA: 4% or 5%
  • Conventional: 0%, 4% or 5%

Unlimited funding

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*

1 - 2 Person

Maximum Income

Kansas City MSA - $72,800
(Leavenworth, Wyandotte, Johnson, Linn & Miami)

Lawrence MSA - $74,700
(Douglas)

All Other Areas - $66,700

3+ Person

Maximum Income

Kansas City MSA - $83,720
(Leavenworth, Wyandotte, Johnson, Linn & Miami)

Lawrence MSA - $85,905
(Douglas)

All Other Areas - $76,705

*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 to find income and purchase price limits for targeted areas.