Kansas first-time home buyer programs
Kansas Housing Resources Corporation lists 1 program that help buyers in Kansas with the down payment or closing costs. Amounts and terms are shown as the agency publishes them.
- Programs from the agency
- 1
- Biggest amount listed
- 20% of the loan
- First-time buyers only
- Every program
- Income caps
- Set per program
Down payment assistance programs in Kansas
| Program | Amount | Grant or loan | Income limit | First-time buyers only |
|---|---|---|---|---|
| First Time Homebuyer Program (FTHB). Only for buyers outside Johnson County and outside the city limits of Topeka, Lawrence, Wichita, and Kansas City. homebuyer course; price limit varies by county (most commonly $219,000). | Up to 20% of the price | Forgivable loan: 0% loan, forgiven if you stay in the home for 10 years. | Your income can be no more than 80% of your area's median income. | Yes, with exceptions |
Usually, "first-time buyers only" means you haven't owned a home during the past three years, though every program sets a rule of its own. The name of each program links to a Kansas Housing Resources Corporation page that says whether applications are open right now. The agency also maintains its own list of participating lenders. Compare down payment assistance programs across all states, or ask a lender that works with Kansas's programs.
How do you repay Kansas's programs?
- Forgivable loan: keep the home and its first mortgage for the set years, and this second loan is written off.
How does your income compare with Kansas's caps?
Every program has its own income cap, which the table shows, and the exact chart is on that program's agency page. Use the HUD income limits lookup (FY2026) to find the figure for your county and household size. If a program relies on its own county chart or Freddie Mac's, the result can differ from HUD's number, and the agency's chart decides.
| HUD area | Median family income | HUD low-income limit |
|---|---|---|
| Kansas City | $113,400 | $90,700 |
| Topeka | $98,800 | $79,050 |
| Wichita | $96,500 | $77,200 |
| Manhattan | $112,000 | $79,200 |
| Lawrence | $110,400 | $88,300 |
HUD uses about 80% of the median as a starting point. Its own caps can hold that number down, including a yearly cap on increases, so the low-income limit is under 80% in a few areas.
Talk to a lender that works with Kansas programs
These programs are paid out through the agency's approved lenders, so the lender is your next step. Tell us where you're buying and a lender that works with Kansas's programs can explain which ones fit you.
Rather not call? Send your details and the lender will reach you.
Are you buying near a state border?
Colorado, Missouri, Nebraska, Oklahoma or programs for all 50 states plus DC.