Kansas offers 12 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 6 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $21,000 through the most generous program. Credit score requirements start as low as 640 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Kansas
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
AHP Down Payment Assistance (Build WyCo)
openBuild WyCo (Federal Home Loan Bank of Topeka AHP)
UP TO $21,000
Down Payment Assistance
openConfederated Tribes of Grand Ronde - Housing
20 (max $20,000)
Topeka Opportunity To Own (TOTO) Program
verifyCity of Topeka
$5,000
First-Time Homebuyer Program
openCity of Liberal
$3,000
Wichita HOMEownership 80 Program
verifyCity of Wichita Housing & Community Services Department
UP TO 20% of purchase price plus UP TO $2,000 in closing cost assistance (no fixed dollar cap)
Grant Programs (6)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
AHP Down Payment Assistance (Build WyCo)
Build WyCo (Federal Home Loan Bank of Topeka AHP)
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- 50% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
50% AMI or less: 1-4 people $55,700 / 5-8 people $73,550; up to 60% AMI for households with special needs member or home on donated lot: 1-4 people $66,834 / 5-8 people $88,250. Based on 2025 FHLB of Topeka AMI limits for Wyandotte County.
Check AMI limits for your county →Repayment Terms
Grant with 5-year occupancy requirement; must repay if home sold within 5 years. Buyer signs 5-year real estate retention agreement at closing.
Notes
Check program requirements
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Hutchinson Down Payment Assistance Program
Interfaith Housing & Community Services
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Notes
Check program requirements
Kansas Housing Assistance Program (KansasDPA)
eHousingPlus / Kansas DPA (Sedgwick and Shawnee Counties)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- 640+
- Property Types
- single-family, condo, townhome, manufactured, 1-4 unit
- Max Price
- Not specified
Quick Facts
- Loan Types
- FHA, VA, USDA, Conventional
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Maximum qualifying income $136,920 for most areas (higher in metro Kansas City); additional benefits for conventional borrowers below 80% AMI
Check AMI limits for your county →Repayment Terms
None. DPA is structured as a grant with no repayment requirement
Notes
Check program requirements
KansasDPA Bond Program
KansasDPA
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD, Manufactured, 2 units, 3 units, 4 uni...
- Max Price
- $1,201,129
Quick Facts
- Loan Types
- FHA, VA, USDA-RD
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
KansasDPA Program
KansasDPA
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD, Manufactur...
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, FHA, VA, USDA-RD
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- No
Forgivable Loans (1)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Kansas Housing Resources Corporation (KHRC) First Time Homebuyer Program
Kansas Housing Resources Corporation
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Varies by county; most common limit $209,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% AMI by county and household size; varies by county (e.g., family of 4: Allen County $67,300, Sedgwick County $75,050, Leavenworth County $89,100)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Forgivable second mortgage at 0% interest. Loans under $15,000 forgiven after 5 years; loans over $15,000 forgiven after 10 years of owner-occupancy. No monthly payments required. If sold before forgiveness period, unused portion is due.
Notes
Required
Deferred Payment Loans (5)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
Topeka Opportunity To Own (TOTO) Program
City of Topeka
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $75,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First-Time Homebuyer Program
City of Liberal
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Wichita HOMEownership 80 Program
City of Wichita Housing & Community Services Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- 30-year fixed rate mortgage
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
At or below 80% AMI (Sedgwick County): 1 person $51,250 / 2 $58,600 / 3 $65,900 / 4 $73,200 / 5 $79,100 / 6 $84,950 / 7 $90,800
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Zero-interest deferred second mortgage; due at sale, refinancing, or when no longer primary residence. One-half of loan forgiven after 10 years of continuous owner-occupancy.
Notes
Required
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
How to Apply for Down Payment Assistance in Kansas
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Kansas?
Up to $21,000 through available programs in Kansas. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 4 programs in Kansas are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 640 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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