Overview
Kansas's housing market offers opportunities for first-time buyers, with a median home price of approximately $215,000. The Kansas Housing Resources Corporation (KHRC) provides the primary state-level assistance through mortgage programs and down payment assistance for qualifying buyers.
The First Time Homebuyer Program is a kansas housing resources corporation's key offering for first-time buyers, providing up to $5,000 as a forgivable loan (forgiven after 5 years). This program is designed to reduce the upfront cost barrier that prevents many qualified buyers from purchasing a home. Buyers must complete a HUD-approved homebuyer education course and work with an approved lender.
State Programs
First Time Homebuyer Program
Down payment and closing cost assistanceKHRC Homeownership Set-Aside
Down payment assistanceFederal Programs Available in Kansas
These nationwide programs can be combined with Kansas state assistance for maximum benefit.
FHA Loan Program
Low down payment mortgageVA Home Loan
Zero down payment mortgageUSDA Rural Development Loan
Zero down payment mortgageTips for First-Time Buyers in Kansas
The KHRC Homeownership Set-Aside extends additional support through varies; typically $2,000-$5,000 as a grant. Kansas has a graduated income tax from 3.10% to 5.70%. Property taxes average about 1.34%. The state's affordable housing prices mean even modest DPA amounts have a significant impact.
Federal programs complement state offerings in Kansas. FHA loans require just 3.5% down with flexible credit requirements. VA loans provide zero-down-payment financing for veterans and active-duty military, particularly relevant near Fort Riley, McConnell Air Force Base. USDA loans offer zero-down-payment options in eligible rural areas, which cover significant portions of Kansas.
Prospective buyers should compare all available options, as combining state and federal programs can dramatically reduce out-of-pocket costs. Working with a HUD-approved housing counselor can help navigate the application process and identify the best program combination for your situation.
Frequently Asked Questions
For educational purposes only -- not financial or tax advice. Program details, eligibility requirements, and benefit amounts are subject to change. Verify all information directly with the administering agency before applying. Last verified: March 30, 2026.