Forgivable loan
First-Time Homebuyer Program
First-time homebuyers · Income limits · Single-family detached homes within Liberal city limits · per first-mortgage and federal CDBG/HOME eligibility
Down payment assistance · Seward County
Buying a home in Liberal, KS
1 Liberal program and 7 statewide.Liberal has 1 program 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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Only for Liberal addresses
Liberal’s own program
The Liberal marketThe Liberal housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Liberal
- 64.9% single-familysingle-family
- 2.7% townhousetownhouse
- 13.5% 2–4 units2–4 units
- 9.8% 5+ unitscondo & apartment buildings (5+ units)
- 9.1% mobile & othermobile home & other
About condos. Liberal’s one local program does not list condos as eligible. First-Time Homebuyer Program lists single-family detached homes within liberal city limits and per first-mortgage and federal cdbg/home eligibility.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Liberal’s homes were built
pre-19401970s2020+
59.5%
of Liberal 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.
$82,600
County area median income, 4 people (HUD)HUD area median income, Seward County, 4-person household (2026)
$63,706
Liberal median household incomeMedian household income in Liberal (Census, 2024)
14 of the 70 programs here set their income limit as a share of Seward County’s area median income, adjusted for household size. See the published limits for Seward County
Free help nearbyFree help near Liberal
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Liberal’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.First-Time Homebuyer Program asks 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
Liberal questions
Does Liberal have its own down payment program?
Yes, one: First-Time Homebuyer Program, a forgivable loan for first-time homebuyers (forgiven over 3 yrs, income limits). It is for homes inside Liberal.
Can I use assistance on a condo in Liberal?
Liberal’s one local program does not list condos as eligible. First-Time Homebuyer Program lists single-family detached homes within liberal city limits and per first-mortgage and federal cdbg/home eligibility. 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 Seward County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Seward 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 Liberal?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
67901 · 67905
Sources
Sources: agency sites (June–July 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–July 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.