City of Wichita HOMEownership 80 Program – Home Buyer Assistance | Kansas grant

City of Wichita HOMEownership 80 Program – Home Buyer Assistance

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City of Wichita HousingKSFirst-Time Homeowner

Funding: Zero interest deferred payment assistance loan providing up to 20 percent of the home purchase price plus up to 2000 dollars for closing costs, with repayment or recapture based on HOME affordability rules if requirements are not met.deferred loanrollingDeadline: Scope: citystate

Updated: Dec 5, 2025

Summary

Wichita’s HOMEownership 80 Program offers substantial down-payment and closing-cost assistance to first-time buyers purchasing new construction homes in targeted neighborhoods, using federal HOME funds administered by the City.

Benefits

Down payment assistanceClosing costsDeferred loan

Who Can Apply

Individual

Eligible Locations

City of Wichita, Kansas; first time homebuyers with incomes at or below 80 percent of area median income purchasing newly constructed single family homes from approved development partners in designated HOMEownership 80 Assistance Areas.

Eligibility

First-time homebuyers purchasing newly constructed single-family homes in designated HOMEownership 80 Assistance Areas within Wichita, who meet HUD income limits (≤80% of area median income), can qualify for a long-term fixed-rate mortgage, complete HUD-approved homebuyer education, and work with one of the city’s approved development partners and lenders.

Full Description

The City of Wichita’s HOMEownership 80 Program is designed to expand affordable homeownership and stabilize neighborhoods by combining HUD HOME funds with local development initiatives. Eligible first-time buyers purchase newly constructed single-family homes built by approved nonprofit and for-profit partners such as Habitat for Humanity and other community housing organizations. The city provides a zero-interest, deferred-payment assistance loan covering up to 20% of the home’s purchase price, plus up to $2,000 in closing costs, with the exact amount calibrated to keep the buyer’s principal, interest, taxes, and insurance (PITI) within roughly 25–31% of household income. Applicants must meet HUD income limits (generally at or below 80% of AMI), qualify for a 30-year fixed-rate first mortgage, complete HUD-certified homebuyer education, and purchase within designated redevelopment and revitalization areas. Program funds may be layered with selected other down-payment assistance sources so long as overall loan-to-value and affordability tests are met. The assistance is structured as a subordinate mortgage with partial forgiveness after the required affordability period; if the home is sold or refinanced early, a portion of the subsidy may be recaptured according to HOME rules.

Verification & Details

Complexity: Moderate

Confidence: 90%

Status: open

Source: wichita.gov

Based on City of Wichita HOMEownership 80 Program description. Assistance is a zero interest deferred payment subordinate loan based on a percentage of the home price plus a capped closing cost amount, with affordability and recapture provisions under HOME rules.

Official source → wichita.gov

Apply on official siteUpdated Dec 5, 2025

Recommended Resource

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