Down payment assistance in Kansas
Kansas's primary statewide down payment assistance program, run by Kansas Housing Resources Corporation. Numbers and eligibility reflect the program's published 2025 guidelines.
First Time Homebuyer Program
Deferred loan- Maximum assistance
- 15-20% of purchase price as a 0% deferred second
- Income limit
- Up to 80% of area median income (AMI)
- Home price limit
- Up to ~$143,000 in most counties
- First-time buyer
- Required
- Eligible loan types
- FHA, VA, USDA, Conventional
- •Targets lower-income, lower-cost areas. Income cap is strict.
- •Loan is 0% deferred until sale/refi/payoff.
How Kansas DPA fits into your purchase
Down payment assistance reduces the cash you need at the closing table. Kansas's First Time Homebuyer Program pairs with the standard FHA, VA, USDA, or conventional first mortgage from a participating lender; the DPA flows through the same closing.
Two things to budget for: most state DPA requires a homebuyer-education course (typically online, 6-8 hours, ~$75) and you usually have to use a lender on the agency's approved list. The agency keeps the list public on its website.
Common questions
Kansas's primary statewide DPA is First Time Homebuyer Program from Kansas Housing Resources Corporation. 15-20% of purchase price as a 0% deferred second. Many Kansas cities and counties also run additional DPA layered on top.
Yes. The First Time Homebuyer Program requires that you have not owned a primary residence in the past 3 years. Veterans and target-area buyers are sometimes exempt.
Yes. First Time Homebuyer Program works with these loan types: FHA, VA, USDA, Conventional. The DPA is layered behind your first mortgage as a separate lien (or grant), and both close together.
Usually no. Deferred and forgivable loans typically have no monthly payment, so most lenders do not include them in your DTI calculation.
Deferred and second-mortgage DPAs are generally repaid in full when you sell, refinance, or pay off the first mortgage.