City of Liberal
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City of LiberalKSFirst-Time Homeownersoft second mortgage (zero-interest)
Updated: Dec 5, 2025
Liberal’s First-Time Homebuyer Program offers a small but impactful zero-interest soft second loan that helps first-time buyers cover upfront down-payment and closing-cost gaps, making entry-level homeownership more attainable for income-qualified households in the city.
Eligible for: Low- and moderate-income first-time homebuyers in Liberal, Kansas, with household income at or below 125% of area median income, who have no…
Funding: Up to $3,000 toward down payment and/or closing costs, zero-interest soft second mortgage, three-year term.Deadline: Rolling / subject to funding availabilityrollingcityFirst-time homebuyerDown payment assistanceClosing cost assistanceSoft second mortgageHomeownership access