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Wichita Habitat for Humanity Homeownership Program

Wichita Habitat for Humanity · Wichita, Kansas

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Wichita Habitat for Humanity Homeownership Program?

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

  • Wichita Habitat for Humanity provides qualifying households earning 35%-80% of Sedgwick County AMI the opportunity to purchase a Habitat-built or rehabilitated home through a 20- to 30-year, 0% interest mortgage with no down payment required. Families partner with Habitat by contributing 250-400 sweat equity hours in home construction, attending homebuyer education classes, and saving approximately $2,000 for closing costs. Applications are accepted each May.
  • 0% interest mortgage (20-30 year term).
  • No down payment required.
  • No minimum credit score.
  • Covers purchase of Habitat-built home in Sedgwick County.
  • No foreclosures via Habitat's support.
  • Funding comes from Habitat for Humanity donations and FHLB Topeka grants.

Do you have to pay it back?

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

Wichita Habitat for Humanity Homeownership 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
  • On credit: No credit score minimum; credit history reviewed. Bankruptcy/foreclosure must be discharged 24+ months prior. Debt-to-income ratio reviewed.
  • A completed homebuyer education course, through Wichita Habitat homebuyer education classes required. Financial literacy education provided.
  • Residency: Sedgwick County, KS
  • Citizenship or immigration status: At least one applicant must show proof of permanent legal U.S. residency. All title applicants must show proof of legal U.S. residency.
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Sweat equity hours (250-400) required. Applications accepted May 1-31 only; 2026 cycle just closed. All household members age 18+ must have lived together at least 6 months. At least 2 months employment history with current employer (or 2 years tax returns for self-employed). This is a first mortgage product, not a DPA layered on top of market financing.

The program excludes

  • Manufactured homes
  • 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?

Wichita Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • 35%-80% of Area Median Income (AMI) for Sedgwick County. Must demonstrate need for housing.
  • 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?

Wichita Habitat for Humanity Homeownership Program caps the purchase price as follows: Homes built by Habitat; no purchase price specified as conventional market transaction.

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

Where does it apply?

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

How do you apply?

Applications for Wichita Habitat for Humanity Homeownership Program go through Wichita Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Wichita Habitat homebuyer education classes required. Financial literacy education provided..

  2. Contact Wichita Habitat for Humanity 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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