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Kansas Housing Assistance Program (KHAP)

Administered by:

Kansas Housing Assistance Program (co-sponsored by Sedgwick and Shawnee Counties)
· State · Grant

Funding status: Active

How much assistance

Up to 4% cash assistance (3% option for buyers with 640-659 credit scores)

Cash assistance grant tied to a 30-year fixed-rate first mortgage. No repayment required if program guidelines are followed.

Eligibility

  • Income limits:
    Income limits set by KHAP based on household size and county; available statewide.
  • First-time buyer required: Yes —
    Must be a first-time homebuyer unless purchasing in a Federally Designated Targeted Area.
  • Credit score minimum: 640
  • Geographic restrictions:
    Available statewide in Kansas. Co-sponsored by Sedgwick and Shawnee Counties.
  • Homebuyer education required: Yes

How to Apply for Kansas Housing Assistance Program (KHAP)

Step 1: Apply through one of the KHAP participating lenders (about 20 in the Sedgwick County area). Borrower must have minimum 660 credit score for 4% assistance, or 640-659 for 3% option. 30-year fixed-rate FHA, VA, USDA RD, or Conventional first mortgage required.

Notes

High loan-to-value mortgages: FHA 96.5%, VA 100%, RD 100%, Conventional 97%.

Available Statewide In