See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated May 6, 2026
Homebuyer Programs in Overland Park, KS (2026)
Overland Park is the second-largest city in Kansas with a population of about 200,000, located in Johnson County in the Kansas City metropolitan area. The market is one of the more expensive in Kansas, with a median sale price around $450,000 in early 2026. First-time buyers should know that the KHRC First-Time Homebuyer Program — Kansas's flagship state DPA — explicitly excludes Johnson County, so the most useful options here are the Habitat for Humanity Kansas City Down Payment Assistance Program (up to $10,000 grant for buyers at or below 80% AMI), the Kansas Housing Assistance Program (up to 4% cash assistance statewide), and the Kansas First-Time Home Buyer Savings Account for state income tax savings. The City of Overland Park also runs the Portfolio Homes Pilot Program, which offers 26 pre-approved smaller home plans and waives permit fees to make new construction more affordable. Stacking nonprofit and state programs with federal loan options like FHA, VA, USDA, and HomeReady gives Johnson County buyers a credible path to homeownership despite higher home prices.
City Programs in Overland Park
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Overland Park Portfolio Homes Pilot Program | Government Property Sale Program | Free pre-approved home plans plus waived permit fees — typical savings of $800-$6,000 in design and permit costs | No | View → |
- Type:
- Government Property Sale Program
- Amount:
- Free pre-approved home plans plus waived permit fees — typical savings of $800-$6,000 in design and permit costs
- First-time only:
- No
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 → |
- Type:
- Grant
- Amount:
- Up to $10,000 grant
- 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 — which is high relative to the rest of Kansas — and require first-time homebuyer status (no homeownership in the past 3 years). Confirm your income, credit (640+ for KHAP, 660+ for full KHAP assistance), and DTI (<45% for Habitat KC DPA).
Skip the KHRC First-Time Homebuyer Program. The state's flagship DPA program does not apply in Johnson County, including Overland Park. Focus your time on the programs that do work here.
Complete homebuyer education. Habitat for Humanity Kansas City requires a HUD-approved homebuyer education course before approving DPA grants. Catholic Charities of Northeast Kansas (913-782-4077) and Housing and Credit Counseling Inc. (785-234-0217) both offer qualifying classes.
Get pre-approved with a KHAP-participating lender. Apply for a 30-year fixed-rate mortgage (FHA, VA, USDA RD, or Conventional) through one of the roughly 20 KHAP lenders in the metro. Minimum 660 credit for the full 4% assistance, or 640-659 for 3% assistance.
Apply for Habitat for Humanity Kansas City DPA. If you're at or below 80% AMI with the property under contract in Johnson County, apply at habitatkc.org/dpa for up to $10,000 in grant assistance toward down payment.
Consider the Portfolio Homes Program if building new. Builders and homeowners can choose from 26 pre-approved single-family and duplex plans (under 1,000 to about 2,200 sq ft) with free plans and waived permit fees, saving $800-$6,000 in design fees. Visit opkansas.org/portfolio-homes for details.
Open a Kansas First-Time Home Buyer Savings Account. Designate a savings account with the Kansas Department of Revenue using Schedule FTHB to deduct up to $3,000 individual ($6,000 joint) per year from your Kansas state income tax.