First-Time Homebuyer Programs in Kansas

Kansas homebuyers can stack several state programs with federal loans to make their first purchase more affordable. The Kansas Housing Resources Corporation (KHRC) administers a First-Time Homebuyer Program offering 15-20% of the purchase price as a forgivable second loan (up to $40,000) for buyers earning at or below 80% of area median income, though this program excludes Wichita, Topeka, Lawrence, Kansas City, and Johnson County. The Kansas Housing Assistance Program (KHAP) — co-sponsored by Sedgwick and Shawnee Counties — provides up to 4-5% cash assistance for down payment and closing costs statewide. Additionally, Kansas offers a state income tax deduction for contributions to a First-Time Home Buyer Savings Account, up to $3,000 individual or $6,000 joint per year.