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Home Buyer Down Payment Grants for Single Mothers in Kansas

Home Buyer Down Payment Grants for Single Mothers in Kansas — The No‑BS 2025 Guide

Last updated: September 2025

This guide is built for Kansas single moms who need clear, current steps to find real down payment help and close on a home. You’ll find verified programs, exact amounts, eligibility rules, timelines, required documents, and who to call today. Wherever we mention a program or agency, we include an italic anchor link right where you need it. Call to confirm current availability before you apply, because some funds run out fast and reopen on set dates.


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If You Only Do 3 Things — Emergency Actions to Take

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Quick Help Box — Numbers and Links to Keep Handy

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What Counts Right Now in Kansas — The 2025 Reality

Kansas single moms have several stacked options: (1) a statewide grant paired with a mortgage, (2) a federal bank grant reserved by your lender, and (3) city/county HOME or CDBG funds when buying inside certain city limits. The fastest approvals usually come through a lender who can pull multiple sources at once (for example, an FHLBank TurnKey grant plus Freddie Mac/Fannie Mae credits). Confirm funding windows every time you call, because 2025 grant pools like HSP (15,000max)](https://www.fhlbtopeka.com/services−and−programs/community/turnkey/hsp)∗and∗[HOPE(upto15,000 max)](https://www.fhlbtopeka.com/services-and-programs/community/turnkey/hsp)* and *[HOPE (up to 12,500 via many lenders) opened March 3, 2025 and some tiers were fully reserved by mid‑year. (fhlbtopeka.com)

According to the FHLBank Topeka HSP notice (updated 2025), the cap is $15,000 with a five‑year forgiveness period and 80% Area Median Income (AMI) limit; HOPE serves up to 150% AMI and is not limited to first‑time buyers, but 2025 funds have been “fully reserved,” so ask lenders whether they still have reservations to assign. Pair this with KHRC FTHB where allowed, which offers a 0% second equal to 15% or 20% of purchase price, forgiven after ten years. (fhlbtopeka.com)

What to do if this doesn’t work: Ask your lender to queue you for the next TurnKey re‑opening; call multiple member banks listed by FHLBank Topeka; and have your counselor prep a file for KHRC FTHB or your city’s HOME/CDBG option below. (fhlbtopeka.com)

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Kansas Down Payment Help — Program‑by‑Program

KHRC First Time Homebuyer (Statewide except in big‑city limits and Johnson County)

Start here if you’re buying outside Johnson County or the city limits of Kansas City, Lawrence, Topeka, or Wichita. The KHRC First Time Homebuyer program partners with participating lenders to provide a 0% interest second mortgage for 15% or 20% of the purchase price, forgiven after 10 years. You must invest 1%–10% of the sale price from your own funds; income must be at or below 80% AMI; and you’ll complete homebuyer education with a HUD‑approved provider such as HCCI or via HUD’s counselor list. (kshousingcorp.org)

  • Key notes: KHRC excludes purchases within the city limits of Kansas City, Lawrence, Topeka, and Wichita, and Johnson County entirely—those places administer their own HOME funds; KHRC will point you to local options if you’re in an excluded area. Use KHRC’s lender list and ask for a 15‑minute pre‑screen. See KHRC FTHB details for current eligibility screens and contacts. (kshousingcorp.org)

What to do if this doesn’t work: Call your city housing office for a HOME/CDBG program; for example, Topeka TOTO, Wichita HOMEownership 80, or Leavenworth CDBG Home Ownership; then pair those with HSP or HOPE via a member bank. (topeka.org)

FHLBank Topeka TurnKey Grants (HSP, HSP+, HOPE) — Reserved by Your Lender

The Federal Home Loan Bank of Topeka sets aside funds that its member lenders reserve for eligible buyers. In 2025, HSP offered up to 15,000,forgivableover5years,forfirst‑timebuyersatorbelow8015,000, forgivable over 5 years, for first‑time buyers at or below 80% AMI; *[HOPE](https://www.fhlbtopeka.com/services-and-programs/community/turnkey/hope)* offered up to 12,500 at or below 150% AMI (not restricted to first‑time buyers), also with a five‑year retention period. The TurnKey suite opened March 3, 2025, and both HSP and HOPE show “fully reserved” notices this year, though individual banks may still have reservations they can assign from their allocation. Start with a participating bank or credit union like Heartland Credit Union, First State Bank & Trust, or Town & Country Bank and ask about 2025 capacity. (fhlbtopeka.com)

  • Pro tips: Grants are “first‑come, first‑served.” Reservations happen at application, not at pre‑qualification. You must complete a homebuyer education course prior to closing; many lenders accept online certificates from HUD‑approved agencies listed at HUD’s counseling portal. If your lender says TurnKey is “closed,” call two more member banks that operate in your county the same day. (hud.gov)

What to do if this doesn’t work: Ask your lender about Freddie Mac’s BorrowSmart Access credits or Fannie Mae’s HomeReady First incentives; these may stack with local funds and can reduce cash‑to‑close. (sf.freddiemac.com)

KansasDPA — Statewide Grant Paired With Your Mortgage

The KansasDPA (Kansas Housing Assistance Program) is a statewide down payment grant paired with a 30‑year fixed mortgage. The program advertises up to 5% for down payment/closing costs, a 640 minimum credit score, and income caps tied to AMI, with special limits for the Kansas City and Lawrence MSAs. Sedgwick (Wichita) and Shawnee (Topeka) counties co‑sponsor the statewide program, and many lenders in Johnson, Wyandotte, Leavenworth, Douglas, and across the state participate. Contact the program for a participating lender list or call a published contact (the site lists lender liaisons and AMI caps). Start at KansasDPA info or the program detail page showing maximum incomes and MSA caps at KSDPA Limits and confirm 2025 purchase price and income limits with the lender. (kshap.org)

  • Reality check: Third‑party summaries sometimes quote old percentages or credit score tiers. Always verify the 2025 limits with the current KansasDPA contact before relying on a number you saw on a blog. Use the income maximums posted on KansasDPA Limits and confirm any MSA differences for Johnson/Wyandotte/Leavenworth/Douglas counties. (kshap.org)

What to do if this doesn’t work: Ask your lender to screen you for HSP/HOPE, or to stack a smaller lender‑credit program like nbkc bank’s local DPA credit (2,000towarddownpaymentplusupto2,000 toward down payment plus up to 1,000 toward closing, with extra Freddie Mac VLIP credit when eligible through 02/28/2025), and keep KansasDPA as Plan B if it reopens or updates. (nbkc.com)

City & County Programs — Know Your Exact Location

Use city‑level programs when buying within particular city limits; these often have targeted maps, partners, or builder lists.

  • Wichita HOMEownership 80: The City of Wichita uses HUD HOME funds for first‑time buyers in designated areas. As of 2025, Wichita is accepting applications only in connection with newly constructed single‑family homes developed by its HOME‑funded partners (for example, Mennonite Housing, Wichita Habitat for Humanity, and others). Contact numbers and the “HOME 80 Program Details” PDF are posted on Wichita Homeownership. (wichita.gov)
  • Topeka — Topeka Opportunity To Own (TOTO): Administered by the City’s Housing Services Division in partnership with Housing and Credit Counseling, Inc., TOTO typically requires a 500minimumbuyercontribution,apurchasepricecap(listedat500 minimum buyer contribution, a purchase price cap (listed at 75,000 on 2025 pages), and homebuyer education. Recent postings show up to 5,000towarddownpaymentplusupto5,000 toward down payment plus up to 30,000 for rehab in certain cases; an alternate HCCI page mentions up to 20,000purchase/repairorupto20,000 purchase/repair or up to 30,000 in opportunity areas. Call HCCI at 1‑785‑234‑0217 to verify the 2025 limits before you apply. See City TOTO page and HCCI program page. (topeka.org)
  • Lawrence (Douglas County): The City highlights HOME/CDBG rehab assistance rather than DPA, but homebuyer pathways commonly run through Tenants to Homeowners and the City’s Housing Initiatives Division; check the latest CDBG/HOME notices for owner assistance and call 1‑785‑832‑3113 to discuss whether any homebuyer funds or community land trust options are open. Recent notices cover rehab caps (24,000emergency;24,000 emergency; 60,000 comprehensive), but always ask about buyer help and land trust resales that lower prices. (lawrenceks.gov)
  • Leavenworth (City limits): The CDBG Home Ownership Program offers up to $8,000 as a 0% deferred forgivable loan when you purchase in the city and remain in the home for five years. Call the Community Development Coordinator at 1‑913‑680‑2628 for current intake windows. HUD’s Kansas page lists Leavenworth under local homeownership programs. (leavenworthks.gov)
  • Kansas City, Kansas / Wyandotte County: The Unified Government manages HOME/CDBG at the county level and periodically funds homeownership initiatives, resource fairs, and counseling events. For down payment help, check nonprofit partners such as Community Housing of Wyandotte County (CHWC) and Habitat KC’s $10,000 DPA grant serving Wyandotte, Johnson, and Leavenworth Counties. Also watch the UG’s HOME/CDBG notices. (chwckck.org)

What to do if this doesn’t work: Ask your counselor to connect you to city‑approved builders or CHDOs (community housing development organizations), or pivot to a member bank for an HSP grant while you keep looking for an eligible property in your price range. (fhlbtopeka.com)

Nonprofit and Lender‑Based Extras You Can Stack

  • Habitat for Humanity KC Down Payment Assistance (Metro‑wide): Grants up to $10,000 for borrowers at or below 80% AMI buying in Wyandotte, Leavenworth, or Johnson (KS) or Jackson/Clay/Platte (MO). See Habitat KC DPA and confirm your income and service area eligibility. (habitatkc.org)
  • Local bank credits and promos: Some banks layer credits on top of grants. For example, nbkc bank launched a program offering a 2% down payment credit up to 2,000plusupto2,000 plus up to 1,000 in closing cost help, with potential extra $2,500 Very Low‑Income Purchase (VLIP) credit via Freddie Mac programs through February 28, 2025; ask if it’s extended. Also watch local notices from banks that participate in FHLBank TurnKey. (nbkc.com)
  • Freddie Mac / Fannie Mae affordability: In addition to grants, verify eligibility for BorrowSmart Access (income/tract‑based credits) and Fannie Mae HomeReady First (1,500–1,500–4,500 assistance depending on AMI and geography), plus standard HomeReady benefits that expanded with 2025 AMI updates on May 18, 2025. (sf.freddiemac.com)

What to do if this doesn’t work: Re‑check with your lender monthly; credits change when 2025 AMI files update or when lenders roll out new CRA‑related specials. Use Fannie Mae’s AMI lookup to see if your address benefits. (singlefamily.fanniemae.com)

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Quick Program Comparison (Kansas 2025)

Program Max Assistance Type Income Limit First‑Time Buyer? Forgiveness/Retention Where it Applies
KHRC First Time Homebuyer 15%–20% of price 0% silent second ≤80% AMI Yes 10 years then forgiven Statewide except Johnson Co. and city limits of KCK, Lawrence, Topeka, Wichita
FHLBank Topeka HSP (TurnKey) Up to $15,000 Forgivable grant ≤80% AMI Yes 5 years KS, CO, NE, OK via member banks
FHLBank HOPE (TurnKey) Up to $12,500 (varies by lender) Forgivable grant ≤150% AMI No 5 years KS, CO, NE, OK via member banks
KansasDPA (Kansas Housing Assistance Program) Up to 5% Grant with 30‑yr first mortgage Income caps by MSA Often both Varies by program docs Statewide via participating lenders
Topeka TOTO 5,000DPA+rehabupto5,000 DPA + rehab up to 30,000 (verify) Deferred/forgivable components ≤80% AMI Usually yes Terms vary City of Topeka
Wichita HOME 80 Varies; tied to new CHDO homes HOME‑funded DPA ≤80% AMI Yes Program specific City of Wichita HOME areas
Leavenworth CDBG Up to $8,000 0% deferred loan, forgivable ≤HUD income limits First‑time 5 years City of Leavenworth
Habitat KC DPA Up to $10,000 Grant ≤80% AMI 3‑year lookback N/A Wyandotte, Leavenworth, Johnson (KS) + KC MO counties

Sources: KHRC FTHB, HSP, HOPE, KansasDPA, Topeka TOTO, Wichita HOME 80, Leavenworth CDBG, Habitat KC DPA. (kshousingcorp.org)

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Step‑by‑Step: How a Kansas Single Mom Can Get to “Clear to Close” Fast

  • Get pre‑qualified and reserve grant dollars: Call two member banks today from FHLBank Topeka’s TurnKey page and ask whether HSP/HOPE reservations remain; if yes, complete an application and upload your documents by end of day. If your target area is eligible, also apply with a KansasDPA lender the same day to keep options open. (fhlbtopeka.com)
  • Book homebuyer education this week: Use HUD’s counselor locator or local partners like HCCI or CHES, Inc.. Ask for a certificate that satisfies both FHLBank and any city program you intend to stack. Expect 4–8 hours for online modules. (hud.gov)
  • Target the right property to unlock assistance: If you need Wichita’s HOME 80 help, focus on newly built CHDO homes listed on Wichita’s page. In Topeka, confirm price caps and opportunity areas with TOTO. In Leavenworth, the home must sit within city limits as posted on the CDBG page. (wichita.gov)
  • Layer federal loan benefits smartly: If you’re rural or exurban, have your lender check USDA Section 502 Direct/Guaranteed (often 0‑down) or VA Home Loan if you’re a veteran. USDA/VA can stack with grants to reduce cash‑to‑close. Ask lenders to run scenarios with and without grant layering. (rd.usda.gov)
  • Expect timelines and follow‑ups: Non‑crisis applications typically take 10–15 business days to reach a conditional approval; grant reservations can happen the same day if funds are open; city HOME/CDBG programs may add 2–6 weeks for environmental or builder coordination. Keep your phone handy and respond within 24 hours to underwriter requests from your member bank, KHRC, or your city office. (fhlbtopeka.com)

What to do if this doesn’t work: Ask for a written “conditions list” from the lender; call a second member bank to re‑run scenarios; and contact HUD counseling for troubleshooting on debt‑to‑income or credit file issues that are stalling your reservation. (hud.gov)

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Required Documents — Print‑Friendly Checklist

Use this list when you meet with your lender, KHRC, or a city program. Screenshots work fine if they’re readable.

  • Photo ID and household info: Driver’s license or state ID; Social Security cards for you and dependents; proof of custody or child support orders if you’re counting that income; bring the latest CFPB homebuyer toolkit if you want a prep guide. (consumerfinance.gov)
  • Income and employment: Last 30 days of pay stubs; 2 years of W‑2s/1099s; 2 years of tax returns; child support or maintenance statements; SNAP/TANF award letters from DCF if applicable. (dcf.ks.gov)
  • Assets and payments: Two months of bank/credit union statements; retirement account statements if using as reserves; proof of any gift funds; monthly debt statements. Check your lender’s HSP/HOPE checklist posted by banks like First State Bank & Trust or Town & Country Bank. (firststateks.com)
  • Education certificates: HUD‑approved homebuyer education completion from HUD’s counselor list, HCCI, or CHES, Inc.; bring the certificate to your lender and any city program file. (hud.gov)

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Reality Check — Common Delays and How to Avoid Them

  • Grant pools can close mid‑year: In 2025, HSP and HOPE both posted “fully reserved.” Some member banks still had unused reservations—call more than one lender. Keep a plan to pivot to KHRC FTHB in eligible areas. (fhlbtopeka.com)
  • City HOME rules change how you buy: In Wichita, you must be referred by certain builders/partners for the HOME 80 program (currently focused on new construction). Don’t write offers that don’t match the rules. In Topeka, ask TOTO to pre‑check addresses and caps. (wichita.gov)
  • Income math matters: FHLBank grants use HUD AMI. Fannie Mae/Freddie Mac credits use 2025 AMIs updated May 18, 2025. Confirm with Fannie Mae AMI lookup and show your lender screenshots. (singlefamily.fanniemae.com)

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Application Checklist — Screenshot‑Friendly

  • Photo ID for all adults: Driver’s license or state ID; Social Security cards for adults and kids if requested. See CFPB guide for prep. (consumerfinance.gov)
  • Income proof: 30 days of pay stubs; 2 years W‑2/1099; child support orders; benefit letters from DCF; full 2‑year tax returns. (dcf.ks.gov)
  • Bank statements (2 months): Checking/savings/retirement; note any large deposits with a source letter. Check lender HSP checklists like First State Bank & Trust. (firststateks.com)
  • Homebuyer education certificate: Finish through HUD counselors, HCCI, or CHES. (hud.gov)
  • Signed purchase contract: Only after your lender confirms the grant reservation; ask the agent to include seller concessions if your program allows. Confirm city program forms with Wichita, Leavenworth, or Topeka. (wichita.gov)

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Quick Reference Cheat Sheet

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Eligibility Rules — What Lenders and Programs Will Check

What to do if this doesn’t work: Ask your counselor to help you build a 30‑day plan to raise mid‑score to 640+ (pay small balances to 10%–20% utilization; correct errors); and retest eligibility using the BorrowSmart Access map. (sf.freddiemac.com)

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How to Apply — Steps and Tips You Can Scan

  • Choose your path: If you’re outside KCK/Lawrence/Topeka/Wichita, apply for KHRC FTHB and an HSP/HOPE reservation via a member bank. If you’re inside those city limits, call the city program first, then add an HSP/HOPE lender. (kshousingcorp.org)
  • Stack with a lender credit: Ask your lender to add HomeReady First or BorrowSmart Access if eligible. Print the eligibility result. (singlefamily.fanniemae.com)
  • Time your contract: Do not sign a purchase contract until your lender confirms your grant reservation ID. Use program‑friendly language your counselor can provide (your HUD‑approved agency can help with this). (hud.gov)

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County‑Specific Variations You Should Know

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Local Organizations, Charities, Churches, and Support Partners

What to do if this doesn’t work: Ask your counselor to craft a two‑month budget that sets aside earnest money while these agencies help with a one‑time bill; then return to the lender to finalize your reservation under HSP/HOPE. (fhlbtopeka.com)

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Resources by Region — Who to Call First

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Diverse Communities — Targeted Notes and Resources

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Common Mistakes to Avoid

  • Waiting to reserve funds: Don’t tour homes for weeks before you call a member bank; grant pools like HSP and HOPE can fully reserve early. Reserve first, shop second. (fhlbtopeka.com)
  • Assuming city funds apply everywhere: KHRC FTHB excludes Johnson County and the city limits of KCK, Lawrence, Topeka, and Wichita; don’t submit to KHRC if you’re buying inside those areas—call the city program instead. (kshousingcorp.org)
  • Forgetting education: Grants require homebuyer education; schedule it now through HUD’s locator, HCCI, or CHES so your reservation doesn’t get delayed. (hud.gov)

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Troubleshooting: If Your Application Gets Denied

  • Ask for specifics in writing: Get the denial reasons from your lender; then bring them to a HUD housing counselor who can craft a 30–60 day plan to fix credit, DTI, or documents. Also ask whether the issue was the grant cap versus the mortgage approval. (hud.gov)
  • Try a second member bank: Some banks use different underwriting overlays for TurnKey and can approve where others won’t; re‑apply the same week. (fhlbtopeka.com)
  • File a fair housing complaint if needed: If you suspect discrimination, contact HUD Fair Housing, or call the Kansas City FHEO office at 1‑800‑743‑5323 (TTY available) listed by HUD FHEO and Kansas Legal Services for advice. (hud.gov)

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Timelines and Wait Times You Can Expect

  • Pre‑qualification: Same day to 48 hours with a member bank; HSP reservations are first‑come, first‑served. Education certificates are usually same‑day or within a week via HUD agencies. (fhlbtopeka.com)
  • Conditional approval: 10–15 business days for most files; add time if you’re stacking KHRC FTHB or a city HOME step like environmental reviews. (kshousingcorp.org)
  • Closing: 30–45 days is common with grants; faster if you’re using one grant and a conventional or FHA first mortgage. Confirm with your lender when writing the contract. Use CFPB’s counselor list if you need a rapid class slot. (consumerfinance.gov)

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Tables You Can Use

Where to Start by Location

If you’re buying in… Call/Click First Stack With Notes
Outside Johnson Co. and city limits of KCK/Lawrence/Topeka/Wichita KHRC FTHB HSP/HOPE Confirm county AMI; ask KHRC for lender list
City of Wichita Wichita HOME 80 HSP New construction via named partners only
City of Topeka Topeka TOTO/HCCI HSP/HOPE $500 minimum from buyer; confirm aid levels
City of Leavenworth CDBG $8,000 HSP 5‑year forgivable
Johnson/Wyandotte/Leavenworth (metro) Habitat KC DPA BorrowSmart Access Also ask CHWC in KCK

Sources: linked cells above. (kshousingcorp.org)

Typical Cash‑to‑Close Build (Example)

Item Notes Where to reduce
Down payment Use HSP/HOPE or KansasDPA to offset; VA/USDA or USDA RD KS can be 0‑down Lender grants; seller concessions
Closing costs Ask for lender credits via HomeReady First or BorrowSmart Access Shop title/insurance
Prepaids/escrows Taxes/insurance collected upfront Budget with counselor

(fhlbtopeka.com)

Education Requirements

Program Education needed Where to take
HSP/HOPE Homebuyer education required prior to closing HUD counseling, HCCI, CHES
KHRC FTHB HUD‑approved education HUD counseling
City HOME/CDBG City‑approved course City pages like Wichita or Topeka

(fhlbtopeka.com)

Contact Directory — Keep This Sheet

Agency/Program Contact Link
KHRC FTHB (state) 1‑785‑217‑2044; FTHB@kshousingcorp.org KHRC FTHB
FHLBank Topeka TurnKey Ask your bank; program info online TurnKey
USDA RD Kansas 1‑785‑271‑2700 (state office) USDA Kansas
VA Home Loans 1‑877‑827‑3702 VA Home Loans
HUD Counseling 1‑800‑569‑4287 HUD counseling

(kshousingcorp.org)

Red‑Flag Checklist — Before You Sign

Risk What to ask Where to verify
“Funds available” “Do you have a TurnKey reservation to assign today?” HSP/HOPE pages
City eligibility “Is this home in the approved area/price cap?” Wichita HOME 80, Topeka TOTO
Forgiveness terms “What happens if I sell/refi in 5–10 years?” Program pages: KHRC FTHB

(fhlbtopeka.com)

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How to Stop a Utility Shutoff in Kansas Today

If a power or gas shutoff is standing between you and mortgage approval, tackle it immediately and document payments.

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10 Kansas‑Specific FAQs (With Links You Can Use)

  1. How much can I get for down payment help in 2025: HSP up to 15,000;HOPEupto15,000; HOPE up to 12,500 at many lenders; KHRC FTHB equals 15%–20% of price; KansasDPA advertises up to 5% with income/credit rules. Check HSP, HOPE, KHRC FTHB, and KansasDPA pages for current caps. (fhlbtopeka.com)
  2. How fast do these grants run out: 2025 TurnKey opened March 3 and both HSP and HOPE list “fully reserved” now; some lenders still have reservations. Check TurnKey status and ask your bank. (fhlbtopeka.com)
  3. Can I use these with VA or USDA loans: Yes—many buyers layer grants with VA loans or USDA loans. Confirm with your lender and grant rules. (va.gov)
  4. Does KHRC work in Kansas City, Lawrence, Topeka, Wichita, or Johnson County: No—those areas handle their own HOME funds; use the local programs or lender grants there. See KHRC FTHB notes and city pages like Wichita and Topeka TOTO. (kshousingcorp.org)
  5. What education do I need: A HUD‑approved homebuyer class is required for HSP/HOPE and KHRC; take it via HUD’s locator or local providers like HCCI or CHES. (hud.gov)
  6. I have student loans and child support—will that disqualify me: Not automatically; lenders count monthly payments into DTI. A HUD counselor can help you budget and pick a loan that fits; search via HUD counseling and ask the lender to run FHA, VA, USDA, and conventional comparisons. (hud.gov)
  7. Can I get help if I’m not a first‑time buyer: HOPE allows repeat buyers up to 150% AMI; KansasDPA often serves repeat buyers subject to rules; check HOPE and KansasDPA. (fhlbtopeka.com)
  8. What happens if I sell early: Grant/second‑mortgage forgiveness periods apply—five years for HSP/HOPE; ten for KHRC FTHB. If you sell or refinance too soon, you may owe a prorated amount. See HSP and KHRC FTHB. (fhlbtopeka.com)
  9. Where can I report discrimination or get legal help: File with HUD Fair Housing; for Kansas legal aid, call Kansas Legal Services at 1‑316‑267‑3975. (hud.gov)
  10. I need help in Spanish: Many counselors and agencies provide language access; HUD offers multi‑language counseling and complaint intake via HUD counseling and Fair Housing; United Way 211 supports translation when you call 211. (hud.gov)

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Spanish Summary — Resumen en Español

Esta sección es un resumen rápido en español, generado con herramientas de traducción por IA. Revise siempre con la agencia para confirmar detalles actuales.

  • Programas clave: KHRC First Time Homebuyer (préstamo al 0% por 15%–20% del precio; perdón a 10 años), FHLBank Topeka HSP (subsidio hasta 15,000;perdoˊna5an~os;≤8015,000; perdón a 5 años; ≤80% AMI), *[HOPE](https://www.fhlbtopeka.com/services-and-programs/community/turnkey/hope)* (hasta 12,500; ≤150% AMI; no requiere primer comprador), y KansasDPA (hasta 5% como subvención con su hipoteca). (kshousingcorp.org)
  • Ciudades: Wichita HOME 80 (viviendas nuevas con socios CHDO), Topeka TOTO (500mıˊnimodelcomprador;montossujetosaconfirmacioˊn),∗[LeavenworthCDBG](https://www.leavenworthks.gov/cd/page/cdbg−home−ownership−application)∗(hasta500 mínimo del comprador; montos sujetos a confirmación), *[Leavenworth CDBG](https://www.leavenworthks.gov/cd/page/cdbg-home-ownership-application)* (hasta 8,000; 5 años). (wichita.gov)
  • Asesoría gratuita: Busque agencias aprobadas por HUD en Encuentre un consejero y llame a United Way 211 para recursos locales. (hud.gov)

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About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

Last verified: September 2025, next review: April January 2026.

This guide is produced based on our Editorial Standards using only official sources, regularly updated and monitored, but not affiliated with any government agency and not a substitute for official agency guidance. Individual eligibility outcomes cannot be guaranteed. Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

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Disclaimer

This content is for general information for Kansas residents as of September 2025. Program amounts, rules, funding windows, and eligibility limits change without notice. Always confirm current availability, amounts, and requirements directly with the program office or your participating lender before you sign a purchase agreement. If you have a legal or fair housing question, contact a licensed attorney or file a complaint with HUD Fair Housing; for counseling, use HUD’s counselor locator. If you’re a Veteran, contact VA Home Loans or the Kansas Office of Veterans Services for benefits assistance. (hud.gov)

What to do if this doesn’t work: If you can’t reach an office, leave a voicemail and send an email with “Request: Down Payment Assistance Appointment” in the subject line; then call another listed agency the same day (especially for HSP/HOPE and KansasDPA). Save confirmations and screenshots for your file. (fhlbtopeka.com)

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End of guide.

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