Down Payment and Closing Cost Assistance Grants, Loan Products, and Homebuyer Programs
- Capitol Federal ® Home-At-Last Loans. Capitol Federal ®, Member FDIC and Equal Housing Lender. (updated May 2013) Specially designed program for low to moderate income first-time homeowners. Several financing options to fit your needs and budget. If you qualify, you need very little down and you obtain quick approval. Capitol Federal, Member FDIC and Equal Housing Lender.
- FHA – Why Should I Consider an FHA Home Purchase Loan? (updated April 2018) Several good reasons to consider an FHA loan when purchasing a home.
- FHA – What is an FHA Energy Efficient Mortgage? (updated April 2018) Mortgages that are federally recognized, available in all states, and give you the means to upgrade the home you want to buy to make it more energy efficient.
- FHLB Homeownership Set-aside Programs (HSP) (updated April 2018) Programs designed to help first-time homebuyers in rural areas, homebuyers with a disability, and existing homeowners in federally declared disaster areas. Applicant must have an income 80 percent or less of area median, based on income of all household members. Additional requirements apply. Programs open March 1, 2010.
- Kansas Housing Resources Corporation – First Time Home Buyers (updated April 2018) This program provides down payment assistance for the purchase of a first home – must be qualified Kansas buyers with incomes at or below 80 percent of median income in their area.
- Topeka Habitat for Humanity (updated April 2018) To qualify for a home, individuals must meet certain income guidelines and demonstrate the ability to pay a $500 monthly mortgage payment (no more than 30% of gross household income).
- US Bank (updated June 2016) American Dream Mortgage! Maximum purchase price is determined by income level. Maximum household income is limited to 80% of HUD area median income.
- USDA Rural Development Direct Loan (updated August 2016) Own Your Future: Buy, Build, or Repair Your Home with Help
- Direct Housing Loans:
- Check property address or location and income eligibility at http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfpd
Check property address or location and income limit eligibility at - 30 year fixed rate mortgage loan
- For moderate income families.
- 100% Financing (includes guarantee fee of 1.5% to 2%)
- Check property address or location and income eligibility at http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfpd
- Guaranteed Home Loans
- Check property address or location and income limit eligibility at http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp
- 30 year fixed rate mortgage loan
- For low and very low income families.
- 100% Financing (includes some closing costs)
- Home Repair Loans and Grants
- For very low income families who are already in their home.
- No minimum credit standards.
- Direct Housing Loans:
- Nonprofit Housing Organizations in Kansas from FHLB Topeka
- HomeReady® is designed to help lenders confidently serve today’s market of creditworthy, low- to moderate-income borrowers, with expanded eligibility for financing homes in low-income communities.
Housing and Credit Counseling, Inc. is continually involved in partnerships on loan programs, products, cities and locally owned businesses.