Down payment assistance and first time homebuyer programs in Kansas

November 19, 2025

Down Payment Assistance

Hey there! If you're thinking of buying a home for the first time, and haven't saved up for a down payment, you still might be able to get it done.

Before I jump into the programs, let me briefly explain how down payment assistance works.

How it works

Down payment assistance comes in two forms: a grant, or a loan

A grant doesn't require repayment.

A loan does require repayment, but there are 3 different ways:

Monthly repayment. This is where they charge you interest and a monthly payment until the loan is paid off

Silent second. This is where they don't charge you interest, they don't charge you monthly payments, they just require that you pay it back when you sell the home.

Forgivable. This is where they forgive the loan as long as you meet certain criteria. A common requirement is that you live in the home as your primary residence for a set number of years. Once you've completed the timeframe, they forgive your loan and you don't need to pay it.

Approved lenders only

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders with access, fill out this form here and I will connect you with one.

Now that we have that out of the way, let's jump in! Below are the local programs available to help make homeownership more accessible.

Kansas

Kansas Housing Resources Corporation (KHRC) First Time Homebuyer Program

What It Offers: Provides down payment assistance up to 15% of the home’s purchase price.

Who Qualifies: First-time homebuyers purchasing in rural Kansas.

Income Limits: Based on area median income (AMI).

Repayment: Forgivable after 10 years if the buyer stays in the home.

Kansas Housing Assistance Program (KansasDPA)

Assistance: Offers up to 5% of the loan amount in the form of a grant for down payment or closing costs.

Eligibility: Homebuyers must have a minimum credit score of 640 and meet income and purchase price limits.

Wichita

HOMEownership 80 Program
- Assistance: Provides financial assistance with down payments and closing costs for first-time homebuyers.
- Eligibility: Applicants must meet income requirements and other criteria.

Kansas City (Wyandotte County)

Community Housing of Wyandotte County (CHWC) Down Payment and Closing Cost Assistance Programs
- Assistance: Offers assistance to help with down payments and closing costs for home purchases in Kansas City.
- Eligibility: Applicants must meet specific income requirements and other criteria.

Hutchinson

City of Hutchinson Down Payment Assistance Program
- Assistance: Provides $2,000 toward closing costs for individuals who are not currently homeowners.
- Eligibility: Applicants must meet specific income requirements and other criteria.

Note: Program availability, eligibility criteria, and assistance amounts can change. It's recommended to contact the respective program administrators directly to obtain the most current information and application procedures.