See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 6, 2026
Homebuyer Programs in Lenexa, KS (2026)
Lenexa is a Johnson County suburb of Kansas City with a population of about 58,000 and a median home price around $460,000. Like other Johnson County cities, Lenexa is excluded from the KHRC First-Time Homebuyer Program. The biggest near-term affordable homeownership opportunity is Habitat for Humanity Kansas City's Clear Creek development, approved by the Lenexa City Council in February 2026 — a 50-home Community Land Trust neighborhood at 86th and Clare Road, with homes ranging from 1,800 to 2,200 square feet sold at approximately $250,000 (vs $460K market) using zero-percent mortgages. The Habitat KC Down Payment Assistance Program (up to $10,000 grant for buyers at or below 80% AMI) is also available, and the Kansas Housing Assistance Program (up to 4% cash assistance) and Kansas First-Time Home Buyer Savings Account add state-level help. Federal loans like FHA, VA, USDA, and HomeReady provide low-down-payment first mortgage options.
State Programs in Kansas
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Kansas First-Time Home Buyer Savings Account | Tax Credit | State income tax deduction up to $3,000 individual / $6,000 joint per year (lifetime cap $24,000 / $48,000) | Yes | View → |
| Kansas Housing Assistance Program (KHAP) | Grant | Up to 4% cash assistance (3% option for buyers with 640-659 credit scores) | Yes | View → |
| KHRC First-Time Homebuyer Program | Forgivable Loan | 15-20% of purchase price (up to $40,000) | Yes | View → |
- Type:
- Tax Credit
- Amount:
- State income tax deduction up to $3,000 individual / $6,000 joint per year (lifetime cap $24,000 / $48,000)
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to 4% cash assistance (3% option for buyers with 640-659 credit scores)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 15-20% of purchase price (up to $40,000)
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity Kansas City Down Payment Assistance Program | Grant | Up to $10,000 grant | Yes | View → |
| Habitat KC Clear Creek Community Land Trust (Lenexa) | Zero-Interest Loan | Homes sold at approximately $250,000 with zero-percent mortgages (effective subsidy of approximately $200,000+ vs $460,000 market value) | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $10,000 grant
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Homes sold at approximately $250,000 with zero-percent mortgages (effective subsidy of approximately $200,000+ vs $460,000 market value)
- First-time only:
- Yes
How to Apply
Check your eligibility. Most assistance programs target buyers at or below 80% of Johnson County area median income. Most require first-time buyer status (no homeownership in past 3 years). Habitat KC Clear Creek targets the same low- to moderate-income range using a CLT model.
Skip the KHRC First-Time Homebuyer Program. The state's flagship DPA does not apply in Johnson County, including Lenexa. Focus on Habitat KC programs and KHAP.
Complete homebuyer education. Habitat for Humanity Kansas City requires a HUD-approved homebuyer education course before approving DPA grants and Clear Creek applications. Catholic Charities of Northeast Kansas (913-782-4077) offers qualifying classes.
Watch for Habitat KC Clear Creek availability. The 50-home Clear Creek development at 86th and Clare Road is being built as a Community Land Trust with zero-percent mortgages — homes are expected to sell at approximately $250,000. Visit habitatkc.org/lenexa-homes for updates and application timing.
Apply for Habitat for Humanity Kansas City DPA. If you're at or below 80% AMI with a property under contract in Johnson County, apply at habitatkc.org/dpa for up to $10,000 in grant assistance.
Get pre-approved with a KHAP-participating lender. Apply for a 30-year fixed-rate mortgage (FHA, VA, USDA RD, or Conventional) and stack KHAP's up to 4% cash assistance. Minimum 660 credit for full assistance, or 640-659 for 3% option.
Open a Kansas First-Time Home Buyer Savings Account. Designate the account using Schedule FTHB on your Kansas income tax return. Up to $3,000 individual / $6,000 joint per year deduction from KS state income tax.
Look at federal loan options. FHA (3.5% down, 580+ credit), VA (0% down for veterans), USDA RD (0% down in eligible parts of Johnson County), and HomeReady/Home Possible (3% down) all stack with most local DPA programs.