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City of Kansas City Employee Homeownership Assistance Program (EAP)

City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit) · Kansas City, Missouri

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See what you qualify forOfficial program site →
Assistance

$35,000

The maximum the program publishes — not an offer

Repayment

Forgivable

Forgiven once the program's conditions are met

What is City of Kansas City Employee Homeownership Assistance Program (EAP)?

City of Kansas City Employee Homeownership Assistance Program (EAP) is a forgivable loan for homebuyers in Kansas City, Missouri, administered by City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit).

  • Established by the City of Kansas City on March 21, 2024, the Employee Homeownership Assistance Program provides down payment and closing cost assistance to first-time-homebuyer City employees purchasing a home within Kansas City, Missouri city limits, paired with required financial education and homebuyer counseling. The loan is a partial-forgiveness loan. Priority is given to employees buying in severely distressed census tracts.
  • Up to 20% down payment assistance, not to exceed $30,000, plus up to $5,000 in closing cost assistance, as a partial-forgiveness loan. One loan per qualified household during city employment.
  • Funding comes from City of Kansas City, Missouri.

How much assistance does it provide?

City of Kansas City Employee Homeownership Assistance Program (EAP) offers up to $35,000 in assistance.

  • Amounts are the program's published maximums, not an offer — City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit) determines any individual award.

Do you have to pay it back?

City of Kansas City Employee Homeownership Assistance Program (EAP) is a forgivable loan, so the balance is forgiven once the program's conditions are met.

  • Repayment is triggered by Partial-forgiveness loan; unforgiven balance subject to repayment under program terms.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Kansas City Employee Homeownership Assistance Program (EAP) 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
  • A minimum 680 credit score
  • A completed homebuyer education course
  • Restricted to full-time City of Kansas City, MO employees with at least 5 years of service who are first-time homebuyers in good standing with the city. Must complete financial management, homebuyer counseling and education before applying (counseling agency may charge a fee). Minimum 680 credit score (after coaching). Must provide at least 2.5% down payment. Property must be a single-family residence (condos/townhomes included) within KCMO city limits, pass a health and safety inspection, and the buyer must pre-qualify for a conforming fixed-rate mortgage. Post-purchase counseling required before loan closing.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Where does it apply?

City of Kansas City Employee Homeownership Assistance Program (EAP) serves buyers purchasing in Kansas City, Missouri.

  • The program gives priority to designated target areas, so the address matters as well as the county.

How do you apply?

Applications for City of Kansas City Employee Homeownership Assistance Program (EAP) go through City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact City of Kansas City, Missouri (counseling/education delivered by CHES, Inc., a HUD-approved nonprofit) 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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