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Verified government funding opportunities

Start Your Homebuying Journey – Kansas First Time Homebuyer Program Intake

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Kansas Housing Resources CorporationKSFirst-Time Homeowner

Funding: Up to $40,000soft second mortgage (forgivable)rollingDeadline: Scope: statewide (KS)state

Updated: Dec 5, 2025

Summary

Online “Start Your Homebuying Journey” form that screens Kansas households for eligibility for KHRC’s First Time Homebuyer down-payment and closing-cost assistance and connects them with next steps and resources.

Benefits

Down payment assistanceClosing cost assistanceForgivable second mortgageHomeownership access

Who Can Apply

First-time homebuyer

Eligible Locations

Income-eligible first-time homebuyers outside Johnson County and the cities of Topeka, Lawrence, Wichita, and Kansas City (per KHRC eligibility rules).

Eligibility

Prospective buyers must be first-time homebuyers (as defined by the FTHB Program), plan to live in the home as their primary residence, purchase outside Johnson County and the cities of Topeka, Lawrence, Wichita, and Kansas City, fall within county-specific income and purchase-price limits, and be able to contribute at least 1% of the home’s price toward the down payment.

Full Description

This KHRC intake page guides potential buyers through a pre-screening process for the statewide First Time Homebuyer (FTHB) Program. The form collects basic information about where the buyer wants to purchase, whether they meet the program’s first-time homebuyer definition, household size, planned price range, and how much they can invest in a down payment. It highlights that FTHB assistance is limited by county-specific maximum purchase prices and income limits, and that participants must contribute between 1% and 10% of the sales price out-of-pocket. The intake also confirms that the program does not operate in Johnson County or in the city limits of Topeka, Lawrence, Wichita, or Kansas City, directing buyers in those jurisdictions to local HOME-funded programs instead. Prospects are asked about their credit profile, whether they plan to occupy the home, and their estimated income band so KHRC can determine whether they fall within HOME income thresholds and are likely to be “mortgage ready.” After submission, KHRC staff follow up with tailored guidance, lender referrals, and information on available down-payment and closing-cost assistance under the FTHB Program.

Verification & Details

Complexity: medium
Confidence: 92%
Status: open
Source: kshousingcorp.org

Assistance levels and conditions (15%/20%, up to 40,000) documented in KHRC materials.

Official source → kshousingcorp.org
Apply on official siteUpdated Dec 5, 2025

Recommended Resource

First-Time Homebuyer Starter Pack (2025 Edition)

A complete first-time homebuyer toolkit: 9 checklists, timelines, grant guidance, worksheets + editable Excel/Google Sheet budget & affordability calculator.

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More statewide programs

Explore additional grants available throughout Kansas that complement this opportunity.

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First Time Homebuyer (FTHB) Program – Down Payment & Closing Cost Assistance

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Kansas Housing Resources CorporationKSFirst-Time Homeownerforgivable loan

Updated: Dec 5, 2025

Kansas’s statewide FTHB Program helps first-time buyers overcome down-payment and closing-cost barriers by layering a sizable, forgivable soft second mortgage on top of a 30-year fixed-rate first mortgage.

Eligible for: First-time, income-eligible homebuyers whose gross annual income does not exceed 80% of HUD area median income, who are credit-ready, can co…

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City of Liberal First-Time Homebuyer Program

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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
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City of Hutchinson Down Payment Match Incentive Program

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City of HutchinsonKSFirst-Time Homeownergrant (matching)

Updated: Dec 5, 2025

Hutchinson’s Down Payment Match Incentive Program helps renters become homeowners by matching part of the cash they bring to closing, lowering the cash-to-close required for eligible first-time buyers purchasing in designated neighborhoods.

Eligible for: First-time homebuyers who do not currently own property, are residents of Reno County, purchase a home in one of several eligible Hutchinson…

Funding: Matching funds equal to 40% of buyer’s cash at closing (or $2,500, whichever is less) toward down payment and closing costs for eligible first-time homebuyers in targeted neighborhoods.Deadline: Rolling / subject to funding availabilityrollingcity/neighborhoodFirst-time homebuyerDown payment matchClosing cost assistanceHomebuyer education requirementNeighborhood revitalization
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