Deferred second loan
City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Sedgwick County
Buying a home in Wichita, KS
3 Wichita programs and 7 statewide.Wichita has 3 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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Wichita’s own programs
Forgivable loan
HOMEownership 80 Program
First-time homebuyers · Income limits · Single-family
First mortgage
Wichita Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
The Wichita marketThe Wichita housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Wichita
- 66% single-familysingle-family
- 5% townhousetownhouse
- 8.5% 2–4 units2–4 units
- 17.7% 5+ unitscondo & apartment buildings (5+ units)
- 2.8% mobile & othermobile home & other
About condos. None of Wichita’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Wichita’s homes were built
pre-19401970s2020+
57.5%
of Wichita 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.
$96,500
County area median income, 4 people (HUD)HUD area median income, Sedgwick County, 4-person household (2026)
$64,620
Wichita median household incomeMedian household income in Wichita (Census, 2024)
16 of the 72 programs here set their income limit as a share of Sedgwick County’s area median income, adjusted for household size. See the published limits for Sedgwick County
Free help nearbyFree help near Wichita
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Wichita questions
Does Wichita have its own down payment program?
Yes, 3: City of Wichita Affordable Housing Fund (AHF) HOMEownership Down Payment Assistance, HOMEownership 80 Program and Wichita Habitat for Humanity Homeownership Program. Each is for homes inside Wichita.
Can I use assistance on a condo in Wichita?
None of Wichita’s 3 local and county programs list condos as eligible. 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 Sedgwick County?
Each program sets its own. 16 of the programs here set theirs as a share of HUD’s area median income for Sedgwick 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 Wichita?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Wichita. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
67201 · 67202 · 67203 · 67204 · 67205 · 67206 · 67207 · 67208 · 67209 · 67210 · 67211 · 67212 · 67213 · 67214 · 67215 · 67216 · 67217 · 67218 · 67219 · 67220 · 67223 · 67226 · 67227 · 67228 · 67230 · 67231 · 67232 · 67233 · 67235 · 67236 · 67251 · 67256 · 67257 · 67259 · 67260 · 67275 · 67276 · 67277 · 67278
Nearby in Sedgwick
Sources
Sources: agency sites (June–September 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–September 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.