First Time Home Buyer in Kansas? Here are 13 Ways You Can Buy a House!

(Last Updated On: October 18, 2018)

If you’re first time home buyer in Kansas, you can get help with down payment assistance, lower interest rates and so much more! We found resources to make your home buying experience better.

Get more help buying a house with low income here!

Down payment assistance programs are available if you’re a first time home buyer in Kansas.

The USDA offers 100% financing for buyers who qualify. With this financing, you might not even have to have a down payment! The USDA requires you to meet certain requirements if you’re a first time home buyer in Kansas. You may qualify if you meet certain (low) credit requirements and live in a rural area.

first time home buyer in kansas

The Kansas Housing department could help you with down payment assistance. It could also help you pay for a portion of your mortgage, too. You’ll need to apply through the housing corporation to find out if you qualify.

We found first time home buyer programs in Kansas!

Habitat for Humanity might be able to help you purchase a home. They provide builders and contractors who can help you build a new home. If you put sweat equity into building the home, you could avoid having to pay a large down payment or any down payment at all. The Habitat for Humanity has a relatively long waiting list, but certain factors might help you get ahead faster.

If you’re in an area designated rural by the USDA, you might qualify for help as a first time home buyer in Kansas. USDA home loans could allow you to qualify with a lower credit score and can help you save money on interest.

The community housing program might help you get into a house. Even those who would typically have to rent can get qualified for help through Community Housing. You may be able to meet certain requirements to qualify. You’ll need to provide information on your income and household size to qualify for help through Community Housing.

Here are military homebuyer programs we found!

VA loans make home buying easier for first time home buyers in Kansas who are also veterans. Most lenders offer VA-backed home loans you can qualify for if you’re a veteran. You may also be able to get some help with down payments and other options through the VA.

Your county might help you if you’re a first time home buyer in Kansas.

Some counties in Kansas might help first time home buyers with resources. You might qualify for help through your county with down payment assistance, lower interest rates and other resources.

Douglas County

If you’re in Lawrence and you’re a first time home buyer in Kansas, you might qualify for help with purchasing the home. You may also qualify for help with your down payment and even a lower interest rate. The county offers some grants you can use toward your down payment when purchasing in the country.

Johnson County

Are you a first time home buyer in Kansas trying to purchase a home in Johnson County? You have options! The county offers free resources for homebuyer education as well as planning classes. You can even get credit counseling for free. The classes may also allow you to purchase a home with a lower interest rate since they’re certified classes. If you need help with your down payment, you might be able to get it through Johnson County. They offer some grants to assist with down payments for traditional and other types of mortgages.

Sedgwick County

Buying a home in Wichita doesn’t have to be hard. The city offers a variety of programs to help you purchase your home. They offer guarantees for some homes through their beautification efforts as well as some help for down payments. You will need to apply for help through their program guidelines. They may not always have funding available for grants as that type of funding is based on donations to the community organization. You may need to provide information on your income to qualify for help for a grant.

Shawnee County

Residents and future residents of Topeka could get help with down payment assistance. If you’re a first time home buyer in Kansas looking for a home in Topeka, be sure to check out the grants the city offers for low-income first time home buyers. The city may also offer some homes throughout the area that are priced special to help you find something affordable. To get help with the down payment assistance, you must provide proof of income, employment and other resources. Generally, the city expects you to provide them with the same information you provide when getting approved for a mortgage.

first time home buyer in kansas

Wyandotte County

If you’re a first time home buyer in Kansas City, you might be able to qualify for help through the city’s beautification efforts. You may also qualify for help through the city’s down payment assistance program. The city may require you to meet certain requirements to get approved for help. The process can be lengthy so make sure you apply with enough time.

Serious about buying a house? Don’t miss these other resources!

Get more free stuff in Kansas!



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