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.
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
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 Wichita