Kansas down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in Kansas, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| KHRC First Time Homebuyer Program | 15% or 20% of purchase price under current HOME program rules | program/first-mortgage specific | 0% HOME loan forgiven after 10 years if occupancy requirements are met | Not available in jurisdictions that administer their own HOME funds, including specified larger cities/counties; geographic exclusions matter. |
KHRC First Time Homebuyer Program
KHRC First Time Homebuyer Program is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: program/first-mortgage specific
National programs Kansas buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
Kansas's biggest DPA lesson
The Kansas Housing Resources Corporation HOME First Time Homebuyer program is the statewide state-administered DPA identified in the sweep. Several major jurisdictions run their own HOME programs instead, so those are local rather than additional statewide KHRC DPA.
Let Josh compare the available programs.
Send the city/ZIP, purchase price, credit range, household income and first-time-buyer status.