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.

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.

KansasDPA Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: 640 minimum FICO across all eligible loan products. Residency requirement: 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.

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.

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.

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.

KansasDPA Program serves homebuyers purchasing in Statewide, Kansas.

Applications for KansasDPA Program go through the administering agency, which publishes the current terms and the application steps on its own site. 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. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.