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Habitat for Humanity of Kansas City Homebuyer Program

Habitat for Humanity of Kansas City · Kansas City, Missouri

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Kansas City Homebuyer Program?

Habitat for Humanity of Kansas City Homebuyer Program is a first mortgage for homebuyers in Kansas City, Missouri, administered by Habitat for Humanity of Kansas City.

  • Habitat for Humanity of Kansas City's Homebuyer Program provides a counseling-driven path to homeownership for households earning up to 80% of area median income. Qualified partners build credit and savings, complete pre-purchase education and sweat-equity, then purchase a Habitat-built home with an affordable mortgage.
  • Affordable (no-interest) mortgage.
  • No large down payment or perfect credit required.
  • One-on-one housing counseling.
  • Pre- and post-purchase education.
  • Funding comes from Habitat for Humanity (donations, volunteer labor, ReStore proceeds).

Do you have to pay it back?

Habitat for Humanity of Kansas City Homebuyer Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Kansas City.

  • Repayment is triggered by Affordable mortgage repaid monthly (no-interest mortgage); Habitat typically retains resale/recapture protections.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity of Kansas City Homebuyer Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: No specific credit score requirement; must demonstrate sufficient, stable income and adequate savings
  • A completed homebuyer education course, through Habitat KC housing counseling and pre-purchase education (in-person and virtual, English and Spanish)
  • Citizenship or immigration status: Must be a U.S. citizen or legal permanent resident
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. Eligibility pre-screen required before full application; sweat-equity/partner hours expected; must be a U.S. citizen or permanent resident. Homes limited to Habitat focus neighborhoods.

The program excludes

  • 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?

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

  • Partners with families and individuals who earn up to 80% of area median income (varies by county and household size).
  • The limit applies to total household income, not only the borrower’s.
  • 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?

Habitat for Humanity of Kansas City Homebuyer Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Kansas City Homebuyer Program serves buyers purchasing in Kansas City, Missouri.

  • The program targets specific areas: Homes available within Habitat KC focus neighborhoods across the greater Kansas City area.

How do you apply?

Applications for Habitat for Humanity of Kansas City Homebuyer Program go through Habitat for Humanity of Kansas City, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat KC housing counseling and pre-purchase education (in-person and virtual, English and Spanish).

  2. Contact Habitat for Humanity of Kansas City 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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