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Programs by situation

Down payment assistance for veterans and military families in Kansas

6 programs name veterans and military families: 2 city, 1 county or regional, 3 statewide.

Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a veteran puts a program on this list; it does not decide whether you can use it.

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The 6 programs, closest first

From one city out to the whole state

Listed A–Z within each group, not ranked.

In a Kansas city 2 programs

For homes inside that city’s limits only
ForgivableLiberal · Seward County

First-Time Homebuyer Program

Forgivable loan · First-time homebuyers · Income limit 125% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
ForgivableTopeka · Shawnee County

Topeka Opportunity To Own (TOTO) Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

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In a county or region 1 program

For homes anywhere in the county or the counties named
First mortgageRiley, Pottawatomie, Geary County

Habitat for Humanity of the Northern Flint Hills Homeownership Program

First mortgage · First-time homebuyers

Names: veterans · Homebuyer class required

See details →

Anywhere in Kansas 3 programs

Can sit alongside a city or county program where both allow it
Forgivable

First Time Homebuyer (FTHB) Program

Forgivable loan · First-time homebuyers · Income limit 80% of area median income

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
Grant

KansasDPA Bond Program

Assistance grant · First-time homebuyers

Names: veterans, active-duty service members, reservists and surviving spouses · Homebuyer class required

See details →
Grant

KansasDPA Program

Assistance grant

Names: veterans, active-duty service members, reservists and surviving spouses · No homebuyer class in the record

See details →

Nationwide 5 programs · not in the 6

Nationwide: 5 more, not in the 6

What to know

What the 6 records say

From each program’s own record. The agency decides who can use it.

  1. 5 of 6

    ask for a homebuyer education class.

  2. 5 of 6

    are limited to first-time homebuyers, as each program defines it.

  3. 5 of 6

    name an FHA, VA, USDA or conventional loan they can be paired with.

Free help in Kansas

5 HUD-approved counseling agencies in Kansas

5 of 6 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.

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Questions, answered

Does being a veteran mean I can use these programs?

No. These programs name veterans and military families in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.

Why are nationwide programs listed separately?

A nationwide program is not one of Kansas’s own, so it is listed below the 6 Kansas programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.