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Topeka Opportunity to Own (TOTO) Program

Administered by:

City of Topeka Housing Services Division (administered by Housing and Credit Counseling, Inc.)
· City · Forgivable Loan

Funding status: Active

How much assistance

Up to $5,000 down payment assistance plus up to $30,000 for home repairs

Both the down payment grant and repair loan are fully forgiven after 5 years of owner-occupancy.

Eligibility

  • Income limits:
    Below 80% of HUD-determined Area Median Income for Shawnee County (about $69,700 for a family of four).
  • Purchase price limit: $75,000
  • First-time buyer required: Yes —
    Must be a first-time homebuyer (no homeownership in the past 3 years).
  • Geographic restrictions:
    Available only within City of Topeka limits, KS.
  • Homebuyer education required: Yes

How to Apply for Topeka Opportunity to Own (TOTO) Program

Step 1: Save at least $500 toward your down payment. Complete 12 hours of homebuyer and maintenance education through Housing and Credit Counseling, Inc. Apply for the loan with HCCI at 785-234-0217. Home purchase price cannot exceed $75,000.

Notes

Funded by federal HOME Investment Partnerships Program. The $75,000 purchase price cap is well below Topeka's overall median home price (~$190,000), so this program is best suited for buyers targeting smaller, older homes that may also need the repair financing.

Cities Where This Program Is Available