Kansas Down Payment Assistance
Kansas Down Payment Assistance Programs
A guide to current down payment assistance options in Kansas, including the state Housing Finance Agency, well-known city and county programs, and live DPA mortgage pricing for Kansas homebuyers.
Kansas Housing Finance Agency
Kansas Housing Resources Corporation (KHRC)
KHRC administers the primary DPA programs for Kansas. Program details below are current as of April 23, 2026 - confirm current terms directly with KHRC before applying.
Statewide DPA Programs in Kansas
KHRC First-Time Homebuyer Program
Kansas Housing Resources Corporation
0% interest second mortgage of 15% or 20% of the purchase price toward down payment and closing costs; forgiven after 10 years of owner occupancy.
Paired with: Conventional, FHA, VA, USDA
- First-time homebuyer: Required
- Primary residence only
- Minimum FICO: 640
- Income: Household income at or below 80% of area median income (AMI). 20% assistance available where household income is 50% AMI or less.
- Homebuyer education required
Borrower must contribute a minimum 2% of the purchase price from own funds. Program is not available in Topeka, Lawrence, Wichita, Kansas City (KS), or Johnson County, which administer their own federal housing funds.
Source: kshousingcorp.org
Major City & County Programs in Kansas
Topeka Opportunity to Own (TOTO) First-Time Homebuyer Program
City of Topeka Department of Neighborhood Relations, Housing Services Division · Topeka, KS
Up to $10,000 in down payment assistance (may include funds for minor home repairs) as a deferred loan; homebuyer education and counseling included.
Income-qualified first-time homebuyers purchasing within Topeka city limits. Confirm current funding availability and terms with the City of Topeka.
Source: kshousingcorp.org
Wichita HOMEownership 80 Program
City of Wichita · Wichita, KS
0% interest, deferred-payment second loan toward down payment and closing costs for qualified low- to moderate-income first-time buyers purchasing newly constructed homes from participating community housing development organizations.
Confirm eligible properties, current income limits, and funding availability with the City of Wichita.
Source: kshousingcorp.org
Kansas Notes for Homebuyers
- Kansas imposes a mortgage registration tax historically; confirm current tax treatment with the county register of deeds. Closing is typically handled by title companies (not required to be an attorney).
2026 Loan Limits in Kansas
Conforming (Conventional)
$806,500 baseline
FHA
$524,225 floor
Most Kansas counties use the FHA floor limit.
Live DPA Pricing for Kansas
Pricing below is sourced live from hundreds of wholesale lenders for a Kansas scenario. Edit the inputs to match your situation.
FHA Down Payment Assistance
Up to 5% assistance; repayable second at first rate + 2% over 10 years
▸Program details
- ✓Minimum credit score: 580
- ✓Non-traditional credit also possible
- ✓Assistance up to 2.5%, 3.5%, or 5% of the lesser of purchase price or appraised value
- ✓Assistance can be used for down payment, closing costs, or both
- ✓Second lien: 10-year fixed, repayable
- ✓Second lien rate is 2% higher than the first mortgage rate
- ✓No first-time homebuyer requirement
- ✓No income cap
- ✓Purchase of primary residence only
- ✓Eligible properties: 1-unit residences, PUD, 2-4 units, FHA-approved condos, manufactured (single/double-wide)
- ✓DTI per AUS and FHA manual underwriting guidelines
- ✓First lien: FHA 30-year fixed
Assistance amount
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