Kansas Housing Assistance Program

Sedgwick and Shawnee Counties have co-sponsored the Kansas Housing Assistance Program, which offers first-time homebuyers up to 4 percent cash assistance for down payments and closing costs, throughout the state. The program also offers a 30-year fixed rate high loan-to-value mortgages for FHA (loan-to-value 96.5%), VA (loan-to-value 100%), Rural Development (loan-to-value 100%), and Conventional (loan-to-value 97%).

In order to qualify for the Kansas Housing Assistance Program borrowers must have a credit score of at least 660. Applicants with credit scores between 640 and 659 have the option of selecting 3 percent borrower assistance, as well.

Applicants must be first-time homebuyers, unless the property is in a Federally Designated Targeted Area*. Borrowers must also meet the income limits below (non-target areas):

1-2 Person Maximum Income:

• Kansas City MSA - $72,800
  (Leavenworth, Wyandotte, Johnson, Linn & Miami)
• Lawrence MSA - $74,700
  (Douglas)
• All Other Areas - $66,700

3+ Person Maximum Income:

• Kansas City MSA - $83,720
  (Leavenworth, Wyandotte, Johnson, Linn & Miami)
• Lawrence MSA - $85,905
  (Douglas)
• All Other Areas - $76,705

The type of homes eligible for purchase under the Kansas Housing Assistance Program are single family detached homes, duplex (provided one unit owner occupied), condominiums, and townhomes Additionally, there are purchase price limits on the property.

Maximum Purchase Price on New and Existing Homes (non-target area):

• Kansas City MSA - $265,609
  (Leavenworth, Wyandotte, Johnson, Linn & Miami)
• All Other Areas - $258,690

*More than 90% of the state is in a non-target area.