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Habitat KC Down Payment Assistance Program

Habitat for Humanity of Kansas City · Wyandotte, Leavenworth, Johnson County, Kansas

Last verified
See what you qualify forOfficial program site →
Assistance

$10,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Habitat KC Down Payment Assistance Program?

Habitat KC Down Payment Assistance Program is a grant for homebuyers in Wyandotte, Leavenworth, Johnson County, Kansas, administered by Habitat for Humanity of Kansas City.

  • Habitat for Humanity of Kansas City, partnering with the Health Forward Foundation and Jackson County (MO), provides a down payment grant of up to $10,000 to qualified homebuyers in the Kansas City metro. The grant does not need to be repaid and supports buyers who have not owned a home in the past three years.
  • Up to $10,000 grant for down payment.
  • No repayment required.
  • Funds sent at closing.
  • Decision within 5 business days.
  • Funding comes from Health Forward Foundation and Jackson County, MO partnership.

How much assistance does it provide?

Habitat KC Down Payment Assistance Program offers up to $10,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Habitat for Humanity of Kansas City determines any individual award.

Do you have to pay it back?

Habitat KC Down Payment Assistance Program is structured as a grant, so it is not repaid.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat KC Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Property must be under contract in Habitat KC's service area (KS: Wyandotte, Leavenworth, Johnson). First-time buyer or no ownership in last 3 years. DTI <45%. Homebuyer education certificate required. Lender must complete a partnership agreement. Funds limited. Unconfirmed: min_credit_score, lien_position, eligible_products.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Habitat KC Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% AMI (HUD), per Habitat KC's published DPA income chart.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Where does it apply?

Habitat KC Down Payment Assistance Program serves buyers purchasing in Wyandotte, Leavenworth, Johnson County, Kansas.

How do you apply?

Applications for Habitat KC Down Payment Assistance Program go through Habitat for Humanity of Kansas City, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Habitat for Humanity of Kansas City to reserve funds

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

  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.

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