Kansas First-Time Home Buyer Programs 2026
$15,000 DPA available through Kansas Housing Resources Corporation (KHRC). KHRC First Time Homebuyer Program offers up to $15K at 0% interest — deferred until sale/refi.
Max Assistance
$15,000 DPA
Type
0% deferred loan
Min Credit
640+
Max Home Price
$350,000
Ready to apply for Kansas assistance?
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Kansas First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| KHRC FTB Program Best statewide program | $15,000 | 0% deferred loan | 640+ | $75K–$95K |
Eligibility Requirements
- ✓First-time buyer or 3-year rule
- ✓640+ credit score
- ✓Income within KHRC limits
- ✓Homebuyer education required
- ✓Primary residence in Kansas
Pro Tip
KHRC programs available statewide: Wichita, Kansas City, Overland Park, Topeka, Olathe.
How to Apply for Kansas Programs
Get Pre-Approved
Work with a KHRC-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Kansas Housing Resources Corporation
KHRC — Kansas official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Kansas?
The best program in Kansas is the KHRC FTB Program, which offers $15,000 as a 0% deferred loan. Minimum credit score: 640. Income limit: $75K–$95K.
How much down payment assistance is available in Kansas?
Kansas offers up to $15,000 DPA through Kansas Housing Resources Corporation (KHRC). The assistance is structured as a 0% deferred loan. Income limits are $75,000–$95,000 depending on household size and county.
What credit score do I need for Kansas first-time buyer programs?
Most Kansas programs through KHRC require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an KHRC-approved lender for your exact score requirements.
What is the income limit for Kansas first-time buyer programs in 2026?
In 2026, Kansas income limits are $75,000–$95,000 depending on household size and county. The home price limit is $350,000. These limits are set by Kansas Housing Resources Corporation.
Don't Leave $15,000 DPA on the Table
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