First Time Homebuyer Program (FTHB)
First Time Homebuyer Program (FTHB) supports first-time buyers in Kansas with down payment and closing cost assistance, alongside guidance and education, to help them purchase a home.
Funder: Kansas Housing Resources Corporation
Due Dates: No application deadline stated (Homebuyer assistance)
Funding Amounts: 0% interest loan equal to 15% or 20% of the purchase price, forgiven after 10 years in the home
Summary: Helps first-time homebuyers in Kansas purchase a home through down payment and closing cost assistance.
Key Information: Purchases in Johnson County or within Kansas City, Lawrence, Topeka, or Wichita city limits are excluded.
Description
The First Time Homebuyer Program (FTHB), administered by Kansas Housing Resources Corporation (KHRC), helps first-time buyers in Kansas cover down payment and closing costs. Assistance is delivered through participating lenders across the state and is federally funded through the U.S. Department of Housing and Urban Development’s HOME Investment Partnerships Program.
The program serves buyers with income at or below 80% of area median income. Its assistance takes the form of a zero-interest loan that is forgiven if the buyer remains in the home for 10 years. KHRC administers the program through its partner network rather than providing housing or services directly. Buyers can access personalized starting guidance, housing counseling, homebuyer education, and Homebuyer 101 resources.
