Down-payment assistance
Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Douglas County
Buying a home in Lawrence, KS
2 Lawrence programs and 7 statewide.Lawrence has 2 programs of its own, and 7 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Lawrence’s own programs
First mortgage
Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership)
New construction · Income limits · Single Family
The Lawrence marketThe Lawrence housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lawrence
- 46.1% single-familysingle-family
- 10% townhousetownhouse
- 10.2% 2–4 units2–4 units
- 32.2% 5+ unitscondo & apartment buildings (5+ units)
- 1.6% mobile & othermobile home & other
About condos. None of Lawrence’s 2 local and county programs list condos as eligible. Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program lists single family. Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lawrence’s homes were built
pre-19401970s2020+
39.4%
of Lawrence homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$110,400
County area median income, 4 people (HUD)HUD area median income, Douglas County, 4-person household (2026)
$65,009
Lawrence median household incomeMedian household income in Lawrence (Census, 2024)
14 of the 71 programs here set their income limit as a share of Douglas County’s area median income, adjusted for household size. See the published limits for Douglas County
Free help nearbyFree help near Lawrence
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Kansas and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Lawrence questions
Does Lawrence have its own down payment program?
Yes, 2: Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program and Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership). Each is for homes inside Lawrence.
Can I use assistance on a condo in Lawrence?
None of Lawrence’s 2 local and county programs list condos as eligible. Lawrence Community Housing Trust (Tenants to Homeowners) Home Purchase Program lists single family. Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Douglas County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Douglas County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Lawrence?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Lawrence. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
66044 · 66045 · 66046 · 66047 · 66049
Nearby in Douglas
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.