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KansasDPA Program

Statewide, Kansas

Last verified
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Assistance

4%

Of the purchase price, as the program sets it

Income limit

$144,340

The household income limit the program publishes

Repayment

Grant

Not repaid

What is KansasDPA Program?

KansasDPA Program is a grant for homebuyers in Statewide, Kansas.

  • KansasDPA Program (TBA) is the non-bond / TBA-funded version of KansasDPA - a 30-year fixed first mortgage paired with a non-repayable grant up to 4% (Government) or 3% (Conventional) of the loan amount. Open to first-time AND repeat homebuyers (no FTHB requirement). 640 FICO; income limits apply; no purchase price limit.
  • KansasDPA Program (TBA) offers qualifying first-time and repeat homebuyers a 30-year fixed-rate first mortgage paired with a non-repayable grant calculated as a percentage of the total loan amount - up to 4% on Government products (FHA, VA, USDA) and up to 3% on Conventional. Grant funds may be applied to down payment, closing costs, prepaids, or principal reduction. There is no second mortgage, no second note, no deed restriction, and no lien for the DPA - it is a true grant. The TBA structure (vs. bond) gives broader eligibility (no FTHB requirement, no purchase-price cap, no MRB recapture).
  • Funding comes from State and TBA.

How much assistance does it provide?

KansasDPA Program provides assistance worth 4% of the purchase price, as set by the program.

  • Buyer contribution: Per first-mortgage product overlays; no separate KansasDPA contribution requirement.
  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

KansasDPA Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by None - true grant and no repayment unless fraud at origination.
  • The assistance is recorded in 1st Lien (DPA is grant - no separate lien) position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

KansasDPA Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: 640 minimum FICO across all eligible loan products
  • Residency: Property must be located in Kansas and used as borrower's primary residence
  • Citizenship or immigration status: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays
  • No first-time-homebuyer requirement. Minimum 640 FICO. Owner-occupied primary residence. Household income at or below KansasDPA TBA income limits ($63,920-$144,340 by HH size and area; OVER 80% AMI conventional pricing tier available with separate rate sheet). No purchase price limit imposed by KansasDPA - follows agency/GSE maximum loan limits. Must use KansasDPA-approved Participating Lender. Non-occupant co-signer/co-borrower permitted under TBA program.

The program excludes

  • Households above $144,340

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?

KansasDPA Program limits household income to $144,340.

  • The limit applies to total household income, not only the borrower’s.
  • 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?

KansasDPA Program caps the purchase price as follows: No purchase-price limit imposed by KansasDPA TBA program - subject to agency/GSE maximum loan limits applicable to the chosen first-mortgage product.

  • Eligible property types include Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied), manufactured home on permanent foundation (per overlays).
  • New construction is eligible.
  • Manufactured homes are eligible.

Is there eligibility for specific groups?

KansasDPA Program names veterans, active-duty service members, reservists and National Guard members, and surviving spouses among the groups it serves.

  • Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

KansasDPA Program serves buyers purchasing in Statewide, Kansas.

How do you apply?

Applications for KansasDPA Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Contact the administering agency to reserve funds

    Funds are reserved through Loan reservation through eHousingPlus Online Lender Portal at time of rate lock. 70 calendar days from loan reservation to loan purchase., and are subject to availability.

  2. 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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