City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance

What is City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance?

City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance is a deferred second loan for homebuyers in Wichita, Kansas, administered by City of Wichita Housing & Community Services.

• The City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance provides up to 20% of purchase price plus up to $2,000 in closing costs for income-qualified buyers purchasing AHF-developed or rehabilitated homes in Wichita's core neighborhoods. Distinct from the legacy HOMEownership 80 (HOME-funded) program, the AHF DPA is available exclusively on homes built or rehabbed by AHF-approved partner organizations. Income eligibility is at or below 80% AMI. Buyers must complete homebuyer education through CCCS. The program uses municipal ARPA-funded dollars to expand affordable homeownership in the Established Central Area. Access requires referral through an AHF partner CHDO or developer.
• Up to 20% of purchase price as DPA.
• Up to $2,000 closing cost assistance.
• 0% deferred subordinate loan.
• Targets core Wichita neighborhoods for reinvestment.
• Works with established CHDO and developer partners.
• Funding comes from City of Wichita Affordable Housing Fund (ARPA-funded; $5M municipal allocation).

How much assistance does it provide?

City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance provides assistance worth 20% of the purchase price, as set by the program.

• Award tiers: Maximum 20% of purchase price for down payment, plus up to $2,000 in closing costs if applicable.
• Amounts are the program's published maximums, not an offer — City of Wichita Housing & Community Services determines any individual award.

Do you have to pay it back?

City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

• Repayment is triggered by Sale, refinance, or loss of owner-occupancy; per AHF funding agreement.
• The assistance is recorded in Second position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance limits household income to 80% of the area median income, which varies by county and household size.

• At or below 80% AMI per Wichita/Sedgwick County 2025-2026 limits: 1-person $52,550; 2-person $60,050; 3-person $67,550; 4-person $75,050; 5-person $81,100; 6-person $87,100.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance caps the purchase price as follows: Per AHF program guidelines; contact Housing & Community Services at 316-462-3769.

• Eligible property types include Single Family.
• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance serves buyers purchasing in Wichita, Kansas.

• The program targets specific areas: Established Central Area and qualified census tracts in Wichita; within 0.25 miles of public housing properties prioritized.

How do you apply?

Applications for City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance go through City of Wichita Housing & Community Services, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Consumer Credit Counseling Services (CCCS), Wichita; (316) 265-2000; online class available.

2. 2

   Contact City of Wichita Housing & Community Services to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.