First-Time Home Buyer Kansas 2026
Your complete guide to buying your first home in Kansas. 2+ down payment assistance programs, FHA loans from 5.9%, and step-by-step guidance.
What First-Time Buyer Programs Are Available in Kansas?
Kansas offers 2 major first-time home buyer assistance programs. These include KHRC First-Time Homebuyer, Kansas Housing DPA. Programs provide up to $5,000 in down payment assistance through grants, forgivable loans, and below-market interest rates.
How Much Do I Need to Buy in Kansas?
You can buy a home in Kansas with as little as $0 down. VA and USDA loans require zero down payment. FHA loans need just 3.5% ($$7,175), and conventional loans start at 3% ($$6,150) on the median price of $205,000.
| Loan Type | Down Payment | $ Amount | Monthly P&I | Min Credit |
|---|---|---|---|---|
| VA Loan | 0% | $0 | $1,209 | 620 |
| USDA Loan | 0% | $0 | $1,242 | 640 |
| Conventional 3% | 3% | $6,150 | $1,205 | 620 |
| FHA Loan | 3.5% | $7,175 | $1,173 | 580 |
| Conventional 20% | 20% | $41,000 | $994 | 620 |
Kansas Down Payment Assistance Programs
KHRC First-Time Homebuyer
Below-market rate mortgages with DPA
Kansas Housing DPA
Down payment and closing cost assistance
5 Steps to Buy Your First Home in Kansas
To buy your first home in Kansas, start by checking your credit score, getting pre-approved, and researching DPA programs. The entire process typically takes 30-60 days from pre-approval to closing. Here's your step-by-step roadmap.
Check Your Credit & Finances
Review your credit score (aim for 620+), calculate your debt-to-income ratio, and save for closing costs. In Kansas, you may need as little as $7,175 for an FHA down payment.
Get Pre-Approved
Compare rates from at least 3 lenders. Current Kansas rates: 6.1% (30-year), 5.9% (FHA). Pre-approval shows sellers you're serious and locks your rate.
Apply for Kansas DPA Programs
Kansas has 2+ DPA programs. The KHRC First-Time Homebuyer offers up to $5,000. Apply early—funding can be limited.
House Hunt & Make an Offer
Popular cities in Kansas: Wichita, Overland Park, Kansas City, Olathe, Topeka. Median price is $205,000 (+6.5% YoY). Work with a local real estate agent who knows the market.
Close on Your New Home
Closing costs in Kansas typically run 2-5% of the purchase price ($6,150-$10,250). Some DPA programs also cover closing costs.
Start Your Kansas Home Buying Journey
Get pre-approved in minutes and see what you qualify for.
Get Pre-Approved NowKansas First-Time Buyer FAQ
What first-time home buyer programs are available in Kansas?
Kansas offers 2 major programs: KHRC First-Time Homebuyer, Kansas Housing DPA. These provide grants, forgivable loans, and below-market rates for down payment and closing cost assistance.
How much down payment do I need in Kansas?
As little as $0 (VA/USDA), $$6,150 (3% conventional), or $$7,175 (3.5% FHA) on the median price of $205,000.
What income do I need to buy in Kansas?
Using the 28% rule, you'd need approximately $$50,287/year. The median household income in Kansas is $62,087.
What is the FHA loan limit in Kansas?
The 2026 FHA loan limit in Kansas is $472,030. The conforming loan limit is $766,550.