First mortgage
Topeka Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Shawnee County
Buying a home in Topeka, KS
2 Topeka programs and 7 statewide.Topeka has 2 programs of its own, and 7 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Topeka’s own programs
Forgivable loan
Topeka Opportunity To Own (TOTO) Program
First-time homebuyers · Income limits · Single-family detached homes within Topeka city limits · properties must pass HUD HQS inspection (rehab funds available to bring to standard)
The Topeka marketThe Topeka housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Topeka
- 63.9% single-familysingle-family
- 5.4% townhousetownhouse
- 7.8% 2–4 units2–4 units
- 19.2% 5+ unitscondo & apartment buildings (5+ units)
- 3.7% mobile & othermobile home & other
About condos. None of Topeka’s 2 local and county programs list condos as eligible. Topeka Habitat for Humanity Homeownership Program lists single family. Topeka Opportunity To Own (TOTO) Program lists single-family detached homes within topeka city limits and properties must pass hud hqs inspection (rehab funds available to bring to standard).
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Topeka’s homes were built
pre-19401970s2020+
67.5%
of Topeka homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$98,800
County area median income, 4 people (HUD)HUD area median income, Shawnee County, 4-person household (2026)
$56,956
Topeka median household incomeMedian household income in Topeka (Census, 2024)
14 of the 71 programs here set their income limit as a share of Shawnee County’s area median income, adjusted for household size. See the published limits for Shawnee County
Free help nearbyFree help near Topeka
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Kansas and nationwide
69 statewide & federal programs7 statewide programs, plus federal options
Topeka questions
Does Topeka have its own down payment program?
Yes, 2: Topeka Habitat for Humanity Homeownership Program and Topeka Opportunity To Own (TOTO) Program. Each is for homes inside Topeka.
Can I use assistance on a condo in Topeka?
None of Topeka’s 2 local and county programs list condos as eligible. Topeka Habitat for Humanity Homeownership Program lists single family. Topeka Opportunity To Own (TOTO) Program lists single-family detached homes within topeka city limits and properties must pass hud hqs inspection (rehab funds available to bring to standard). Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Shawnee County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Shawnee County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Topeka?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Topeka. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
66601 · 66603 · 66604 · 66605 · 66606 · 66607 · 66608 · 66609 · 66610 · 66611 · 66612 · 66614 · 66615 · 66616 · 66617 · 66618 · 66619 · 66620 · 66621 · 66622 · 66624 · 66625 · 66626 · 66628 · 66629 · 66634 · 66636 · 66637 · 66638 · 66642 · 66647 · 66652 · 66653 · 66658 · 66667 · 66675 · 66683 · 66686 · 66692 · 66699
Nearby in Shawnee
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.