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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: up to 20% of the price, as a forgivable loan.

Amount
Up to 20% of the price
Kind of help
Forgivable loan
First-time buyers only
Yes, with exceptions
Homebuyer course
Required

Forgivable loan: 0% loan, forgiven if you stay in the home for 10 years.

A forgivable loan is written off once you have kept the home and its first mortgage for the years the program sets.

Who qualifies for Kansas First Time Homebuyer Program (FTHB)?

  • Only for buyers outside Johnson County and outside the city limits of Topeka, Lawrence, Wichita, and Kansas City.
  • Your income can be no more than 80% of your area's median income.
  • First-time buyers only: yes, with exceptions.
  • A homebuyer education course before you buy.
  • Price limit: varies by county (most commonly $219,000).

Most limits follow your county and household size. Our HUD income limits lookup shows your area's median income and where your household sits.

How to apply for Kansas First Time Homebuyer Program (FTHB)

  1. Kansas Housing Resources Corporation pays this help out through its approved lenders, so you apply with one of them, together with your home loan.
  2. The lender checks your income, credit and the home against the program's rules and reserves the money for you.
  3. The help is paid at closing, toward your down payment and closing costs.

Read the full rules and whether it is taking applications on Kansas Housing Resources Corporation's page for First Time Homebuyer Program (FTHB), or pick a lender from the agency's list of participating lenders.

Ask a lender about Kansas First Time Homebuyer Program (FTHB)

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

Rather not call? Send your details and the lender will reach you.

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.

More help for buyers in Kansas

All Kansas first-time home buyer programs · Down payment assistance in every state