Kansas program
Kansas route through Kansas Housing Resources Corporation (KHRC). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Open questions
This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.
This statewide KHRC soft second does not operate inside Johnson County or within the city limits of Kansas City, Lawrence, Topeka, and Wichita, because those areas administer separate federal HOME funds.
Decision-ready public facts
Quick answer from published facts. Go to Kansas program hub
A 0 percent forgivable soft second mortgage equal to 15 percent or 20 percent of the home's purchase price for down payment and closing costs.
Forgivable soft second mortgage
No monthly payments are required. If the buyer remains in the home for 10 years, the soft second mortgage is fully forgiven. If the home is sold before 10 years, the unused portion must be repaid.
Required
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
Kansas first-time homebuyers or buyers who have not owned a home during the previous three years, Borrowers with household income at or below 80 percent of area median income, Buyers purchasing outside Johnson County and outside the city limits of Kansas City, Lawrence, Topeka, and Wichita, Borrowers using a KHRC participating lender
A 0 percent forgivable soft second mortgage equal to 15 percent or 20 percent of the home's purchase price for down payment and closing costs.
No monthly payments are required. If the buyer remains in the home for 10 years, the soft second mortgage is fully forgiven. If the home is sold before 10 years, the unused portion must be repaid.
Review KHRC income and purchase-price limits, complete the required HUD one-on-one counseling and HUD homebuyer education, work with a KHRC participating lender on a 30-year fixed first mortgage, and close the forgivable KHRC soft second together with the first mortgage.
KHRC says the First Time Homebuyer Program lets eligible buyers apply for a 0 percent interest loan equal to 15 percent or 20 percent of purchase price and that the loan is forgiven after 10 years in the home. The 2026 fact sheet says buyers must be first-time homebuyers or not have owned a home for three years, stay at or below 80 percent of area median income, contribute at least 1 percent of sale price from their own funds, and cannot use the program in Johnson County or within the city limits of Kansas City, Lawrence, Topeka, or Wichita.
2026-04-19
updated 2026-01 fact sheet and 2026-03 process guide
Paid preview
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
Amount: A 0 percent forgivable soft second mortgage equal to 15 percent or 20 percent of the home's purchase price for down payment and closing costs.
Repayment: No monthly payments are required. If the buyer remains in the home for 10 years, the soft second mortgage is fully forgiven. If the home is sold before 10 years, the unused portion must be repaid.
First-time buyer: Required
Risk checks preview
Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, employer-assisted paths for Kansas.
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
2 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
Private workspace
The free page gives you the public facts. Paid access turns this program into a shortlist item, comparison row, risk check, and lender-call prep surface.
If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback.
Save for comparison
Active accounts can save this program in one click. If you still need sign-in or checkout, the same button routes you to the right next step.
Save this program for side-by-side comparison and later follow-up.
Decision output
Use the paid layer for side-by-side comparison, overlap checks, lender questions, and next-step notes tied to this exact program.
Send a short question without leaving the page.
