First-Time Homebuyer Programs and Grants in Kansas (2025 Guide)
Kansas First-Time Homebuyer Programs: Grants, Loans, and Assistance to Make Homeownership More Affordable – Contact Me Today at (620) 779-1984
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Buying your first home is exciting, but it can also feel overwhelming—especially when it comes to financing. The good news? Kansas offers several first-time homebuyer programs and grants to help make homeownership more affordable. Whether you need help with a down payment, closing costs, or securing a lower interest rate, there’s a program for you. In this guide, we’ll break down the best first-time homebuyer assistance programs in Kansas, including eligibility requirements and how to apply.
1. Kansas Housing Resources Corporation (KHRC)
First-Time Homebuyer Program
The Kansas Housing Resources Corporation (KHRC) offers a great program to help first-time buyers with down payments and closing costs. This assistance comes in the form of a 0% interest loan that covers 15% to 20% of your home’s purchase price (depending on your county). Even better? If you stay in the home for the required period, the loan is forgiven—meaning you don’t have to pay it back!
✅ Who’s Eligible? First-time homebuyers (haven’t owned a home in the last three years). Must meet income limits (household income must be at or below 80% of the area median income). The home must be within Kansas and meet purchase price limits.
📌 How to Apply: Work with a participating lender who can walk you through the process. You can find more details on the KHRC website.
2. Kansas Housing Assistance Program (KHAP)
The Kansas Housing Assistance Program (KHAP) is another solid option for first-time buyers. This program provides a 4% grant based on your loan amount, which can be used for your down payment and closing costs.
✅ Who’s Eligible? First-time homebuyers OR buyers purchasing in a targeted area. Minimum credit score of 640 required. Must meet income limits for the program.
📌 How to Apply: You’ll need to work with a participating lender to access KHAP benefits. Visit KHAP’s official website to get started.
3. Heartland Credit Union HOPE Program
Heartland Credit Union offers the HOPE (Home Ownership Possibilities for Everyone) Program, which provides up to $12,500 in grant money for down payment and closing cost assistance. Unlike some other programs, this one isn’t limited to first-time homebuyers, making it a great option for repeat buyers as well.
✅ Who’s Eligible? Must meet income requirements (up to 150% of the area median income). Must complete a homebuyer education course. The home must be owner-occupied for at least five years (to get full forgiveness).
📌 How to Apply: Grants are available starting March 3, 2025. Contact Heartland Credit Union for details or check out their HOPE Program page.
4. Federal Homebuyer Assistance Programs
In addition to Kansas-specific programs, you can also take advantage of federal programs that make homeownership easier: FHA Loans – Low down payment options (as little as 3.5% down) and flexible credit requirements. VA Loans – No down payment required for eligible veterans and active military. USDA Loans – No down payment required for homes in eligible rural areas. Mortgage Credit Certificates (MCCs) – Allows first-time buyers to claim a tax credit on mortgage interest paid. Tips for First-Time Homebuyers in Kansas
✔ Know Your Budget – Check your credit score and calculate what you can afford.
✔ Get Pre-Approved – This shows sellers you’re serious and helps you understand your financing options.
✔ Research Down Payment Assistance – Even if you have savings, free money from these programs can help!
✔ Work with a Local Real Estate Agent – A knowledgeable agent can help you find the right home and navigate the buying process. Final Thoughts Buying your first home in Kansas doesn’t have to be overwhelming. With the right first-time homebuyer programs and grants, you can reduce your upfront costs and make homeownership more affordable. Whether you need help with a down payment, closing costs, or securing a better mortgage, these
programs are here to help.
📌 Ready to start your homebuying journey? Reach out today for personalized guidance and to explore homes that qualify for these programs!
