A Guide to Kansas's Local Down Payment Assistance Programs
Updated 1/20/2026
These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders, fill out this form here and I will connect you with one.
I've included all of the links and contact info needed to do this on your own, the form is meant to make it easier.
How Down Payment Assistance Works
I need to give a quick overview of how down payment assistance works. After that, the programs are listed.
With down payment assistance, you'll run into two different types:
- A grant
- A loan
A Grant
If we meet the qualifications up front, then it's money that does not need to be repaid.
A Loan
If the down payment assistance comes in the form of a loan, then pay attention to the three different types:
- Repayable
- Deferred
- Forgivable
Repayable is just as most imagine. It charges interest over a certain amount of time, with monthly payments until it's paid off.
Deferred loans usually don't require a monthly payment, and typically don't charge interest. It's due in full when you refinance, sell the home, or when it ceases to be your primary residence.
Forgivable loans will disappear if you meet the criteria, which usually comes down to keeping the home as your primary residence for a specific amount of time.
Okay with that, here are the programs!
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.
- Website: https://kshousingcorp.org/homeownership/first-time-homebuyer/
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.
- Website: https://www.kshap.org/
Wichita HOMEownership 80 Program
- Assistance: Provides down payment and closing cost assistance, often for newly constructed homes by Community Housing Development Organizations (CHDOs).
- Eligibility: First-time homebuyers meeting income limits (80% AMI) purchasing in specific "HOMEownership 80" assistance areas.
- Website: https://www.wichita.gov/419/Homeownership
Kansas City (Wyandotte County)
- 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.
- Website: https://buildwyco.org/ahp-down-payment-assistance/
Hutchinson
- Assistance: Provides $2,000 toward closing costs for individuals who are not currently homeowners.
- Eligibility: Applicants must meet specific income requirements and other criteria.
- Website: https://www.interfaithks.org/hutchinson-down-payment-assistance
Topeka Opportunity To Own (TOTO) Program
- Assistance: Provides up to $5,000 for down payment assistance and up to $30,000 for housing rehabilitation/repairs.
- Eligibility: Low-income families purchasing their first home within Topeka city limits; buyers must attend homebuyer training.
- Website: https://topeka.gov/how_do_i/programs-services/homebuyerassistance/index.php
Updated 1/20/2026
These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders, fill out this form here and I will connect you with one.
I've included all of the links and contact info needed to do this on your own, the form is meant to make it easier.