Topeka Habitat for Humanity Homeownership Program

What is Topeka Habitat for Humanity Homeownership Program?

Topeka Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Topeka, Kansas, administered by Topeka Habitat for Humanity.

• Topeka Habitat for Humanity promotes affordable housing for low-income individuals in Shawnee County by providing a pathway to homeownership through a zero-interest mortgage on Habitat-built homes. Eligibility is based on need for safe/affordable housing, willingness to partner (including sweat equity, home maintenance classes, financial counseling), and ability to make affordable mortgage payments. Selection is competitive and annual; 2026 application dates TBA.
• Zero-interest affordable mortgage.
• No down payment (Habitat standard model).
• Sweat equity partnership model.
• Home maintenance training included.
• Application open annually.
• Funding comes from Habitat for Humanity donations and fundraising.

Do you have to pay it back?

Topeka Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Topeka Habitat for Humanity.

• The assistance is recorded in First mortgage position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Topeka Habitat for Humanity Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Topeka Habitat for Humanity Homeownership Program sets its income limit as follows: Must demonstrate need for safe and affordable housing and ability to make mortgage payments. Specific income limits not confirmed from primary source.

• 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?

Topeka Habitat for Humanity Homeownership Program caps the purchase price as follows: Habitat-built homes at affordable prices; specific values not published.

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

Where does it apply?

Topeka Habitat for Humanity Homeownership Program serves buyers purchasing in Topeka, Kansas.

How do you apply?

Applications for Topeka Habitat for Humanity Homeownership Program go through Topeka Habitat for Humanity, 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 Home maintenance classes and financial counseling required as part of Habitat partnership..

2. 2

   Contact Topeka Habitat for Humanity 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.