Kansas First-Time Home Buyer Programs of 2021

Jan 1, 2021

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As a Kansas resident and hopeful home buyer, you can tap a unique financial resource. Down payment and closing cost assistance may be available to you through the Kansas Housing Resources Corp.

And you won't have to sift through a bunch of bureaucracy: One program does all of the heavy lifting.

Also, national programs tailored to first-time home buyers can help you move from renting an apartment to owning a home.

National first-time home buyer programs

These national programs offer deep resources for first-time home buyers, including low or zero down payments.

Kansas Housing highlights and eligibility requirements

Kansas Housing keeps things simple: It offers one assistance program. Here are the must-know details:


  • Offers 15% or 20% of a home's purchase price in assistance.

  • Assistance is in the form of a forgivable loan.

  • Available to borrowers who meet income requirements and haven't owned a home within the past three years.

  • No minimum credit score requirement.


  • You must kick in at least 2% of the purchase price with your own money.

  • The amount of assistance depends on your household income.

  • Not available in Kansas City, Lawrence, Topeka or Wichita city limits or Johnson County.

Kansas Housing first-time home buyer loan programs

Summary: The 2021 Kansas first-time home buyer program

The First Time Homebuyer Program is the sole offering of Kansas Housing, yet the benefits are robust:

  • A forgivable loan for 15% or 20% of the home's purchase price.

  • Use the proceeds to reduce your closing costs or add to your down payment.

  • An income chart provides qualification details.

You will want to contact a participating lender to help with the paperwork and walk you through the details. It's a good idea to talk to more than one, because "credit overlays" — additional qualifying terms added by a lender — can vary.

For full details on the first-time home buyer program, visit the Kansas Housing website.

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