Kansas Down Payment and Homeownership Assistance

Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.

Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.

Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.

The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.

(Source: HUD.gov)

Statewide and Regional Programs

State of Kansas first time homebuyers program – provides down payment assistance to qualified Kansas buyers for the purchase of their first home.
Rural first-time homebuyer program – statewide program by the Federal Home Loan Bank of Topeka
Kansas Affiliates of Habitat for Humanity – through volunteer labor, builds and rehabilitates houses for families in need
U.S. Department of Agriculture Rural Housing – homebuyer programs in rural communities
Homeowner education programs – learn how to purchase and maintain a home of your own
Community contacts – find out if your community offers homeownership assistance

Programs by City/Town

Bonner Springs – tax rebate program for home rehabilitation and construction
Interfaith Housing Services, Inc.

Kansas City
City of Kansas City, Kansas – Community Housing Investment Program (CHIPs)

Lawrence – homeownership assistance programs through a partnership of the City of Lawrence and Tenants To Homeowners

Leavenworth – First Time Home Buyer Assistance Program

City of Topeka
“Topeka Opportunity To Own”

City of Wichita