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Kansas First Time Homebuyer Program (FTHB)

Kansas Housing Resources Corporation offers First Time Homebuyer Program (FTHB) to first-time buyers in Kansas: as much as 20% of what the home costs, as a forgivable loan.

Amount
As much as 20% of what the home costs
Type of help
A loan that can be forgiven
Only first-time buyers
Some exceptions apply, but yes
Course for homebuyers
Required

This forgivable loan charges 0%, and it's forgiven after 10 years in the home.

Once you've kept the home and the first mortgage on it for as many years as the program requires, the forgivable loan is written off.

Kansas First Time Homebuyer Program (FTHB): who can qualify?

  • It is not open to buyers in Johnson County or within the Topeka, Lawrence, Wichita or Kansas City city limits.
  • The most your income can be is 80% of the median income for your area.
  • You generally must be a first-time buyer, but there are exceptions.
  • You'll take a homebuyer education course before buying.
  • The price cap changes by county, with $219,000 being the most common figure.

Your county and household size set most of the limits. Use our HUD income limits tool to see the median income for your area and where your household falls.

Kansas First Time Homebuyer Program (FTHB): how to apply

  1. You apply for your home loan and this help with one approved lender; Kansas Housing Resources Corporation sends the money through those lenders.
  2. Your income, credit and chosen home are assessed by the lender under the program's rules; then it holds the money for your purchase.
  3. At closing, the help goes toward your closing costs and down payment.

Use Kansas Housing Resources Corporation's page for First Time Homebuyer Program (FTHB) to see the full rules and if it is taking applications, or choose a lender through the agency's participating lender list instead.

Kansas First Time Homebuyer Program (FTHB): ask a lender

Tell us where you're buying and a lender that works with Kansas's programs can tell you whether Kansas First Time Homebuyer Program (FTHB) fits you, and what you could combine with it.

Call 866-602-7460

Don't want to call? The lender will reach out to you if you send your details.

When you send this request, you agree that one mortgage lender who works with these programs may contact you by email, phone or text, including by automated means, about this request. Agreeing is not a condition of any purchase. We are an independent guide, not a lender or a government agency; only that one lender gets your details, and it may pay us for the introduction. See our about page and privacy notice.

Other help for Kansas buyers

Every Kansas first-time home buyer program · Down payment assistance in every state