Program guide
What to know before you click through
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
Who qualifies?
Kansas first-time homebuyers, including KHRC-recognized displaced-homemaker and single-parent exceptions, Households at or below 80% of HUD HOME area median income using a participating lender, Buyers purchasing outside Johnson County and outside the city limits of Kansas City, Lawrence, Topeka, and Wichita, Owner-occupants contributing at least 1% of sale price from their own funds
What support do you get?
Current KHRC materials describe a 0% forgivable soft second mortgage for down payment and closing costs equal to 20% of purchase price for households below 50% of HUD HOME AMI or 15% of purchase price for households at 50%-80% of HUD HOME AMI, with a minimum of $1,000 and a maximum of $40,000.
Do you repay it?
No monthly payments are required. If the assistance is below $15,000, one half declines monthly over the first 60 months and the other half is forgiven at month 120. If the assistance is $15,000 or more, one half declines monthly over 120 months and the other half is forgiven at month 120. Sale, unapproved refinance, transfer, or loss of owner-occupancy triggers recapture, subject to the shared-net-proceeds limits in KHRC's written agreement.
How do you apply?
Start with KHRC's intake and guidance path, complete the required HUD-approved one-on-one counseling and HUD homebuyer education, work with a KHRC participating lender on the first mortgage, and have the lender submit the full KHRC file using the current county income and purchase-price limits before closing.
Application timing
After a complete final approval package and a passed inspection, KHRC approves the soft second loan within three business days, and HUD payment to the lender can take 8-10 business days after funds are requested.
Official source evidence
Current KHRC materials show the First Time Homebuyer Program remains live as a 0% forgivable soft second worth 15% or 20% of purchase price, up to $40,000, with a 10-year forgiveness structure delivered only through participating lenders outside the excluded metro areas.
View official source
Last verified
2026-04-23
2026-03-19 fact sheet and process guide; 2026-04-14 lender list; current purchase-price limits effective 2025-12-01
Paid preview
What paid access adds for KHRC First Time Homebuyer Program
See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.
Example paid output for this program. The free page stays visible either way.
Comparison preview
KHRC First Time Homebuyer Program
Amount: Current KHRC materials describe a 0% forgivable soft second mortgage for down payment and closing costs equal to 20% of purchase price for households below 50% of HUD HOME AMI or 15% of purchase price for households at 50%-80% of HUD HOME AMI, with a minimum of $1,000 and a maximum of $40,000.
Repayment: No monthly payments are required. If the assistance is below $15,000, one half declines monthly over the first 60 months and the other half is forgiven at month 120. If the assistance is $15,000 or more, one half declines monthly over 120 months and the other half is forgiven at month 120. Sale, unapproved refinance, transfer, or loss of owner-occupancy triggers recapture, subject to the shared-net-proceeds limits in KHRC's written agreement.
First-time buyer: Required
Timing: After a complete final approval package and a passed inspection, KHRC approves the soft second loan within three business days, and HUD payment to the lender can take 8-10 business days after funds are requested.
Risk checks preview
What gets flagged before you call a lender
- KHRC First Time Homebuyer Program requires a participating lender.
- KHRC First Time Homebuyer Program must be paired with a specific first mortgage.
Lender questions preview
Questions tied to this exact path
- Is your team approved to originate KHRC First Time Homebuyer Program for this household and loan setup?
- Which first-mortgage product must be paired with KHRC First Time Homebuyer Program, and what breaks eligibility?
Action checklist preview
What you would do next
- Confirm the first-time buyer definition before you apply
- Review the official Community Solutions overview for KHRC First Time Homebuyer Program
