KHRC First Time Homebuyer Program (FTHB)

KHRC First Time Homebuyer Program (FTHB) es un préstamo condonable para compradores de vivienda en Statewide (excludes Kansas City, Lawrence, Topeka, Wichita city limits and Johnson County), Kansas, a cargo de Kansas Housing Resources Corporation (KHRC). The KHRC First Time Homebuyer Program provides HOME-funded forgivable second mortgage assistance of 15% or 20% of the purchase price (up to $40,000) for income-eligible first-time buyers anywhere in Kansas except Kansas City, Lawrence, Topeka, Wichita city limits, and Johnson County. No monthly payments are required and the loan is fully forgiven after 10 years of owner-occupancy. Buyers must invest at least 1% of the purchase price from personal funds and complete HUD-approved homebuyer counseling. 15-20% of purchase price, up to $40,000. 0% interest, no monthly payments. Fully forgiven after 10 years. No minimum credit score from KHRC. Covers down payment and/or closing costs. Los fondos provienen de HUD HOME Investment Partnerships Program.

KHRC First Time Homebuyer Program (FTHB) ofrece entre $1,000 y $40,000 de ayuda. Niveles de ayuda: 15% of purchase price for households 51%-80% AMI; 20% of purchase price for households at or below 50% AMI; maximum $40,000. Aporte del comprador de vivienda: Buyer must invest minimum 1% of sale price from own funds; maximum buyer contribution 10%. Gifts allowed above 1% but no more than 9%. Los montos son los máximos publicados por el programa, no una oferta: Kansas Housing Resources Corporation (KHRC) determina cualquier ayuda individual.

KHRC First Time Homebuyer Program (FTHB) se perdona después de 10 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Sale, rental conversion, or refinancing without KHRC approval within 10-year affordability period triggers partial or full recapture. Subsidy split equally: interest-free soft second (forgiven over 60 months if under $15,000, or 120 months if $15,000+) and interest-free portion (repaid in full on sale within 10 years). La ayuda se registra con un gravamen en posición Second mortgage. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

KHRC First Time Homebuyer Program (FTHB) está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: Displaced homemakers and single parents meeting specific criteria may qualify even if they owned within 3 years. Sobre el crédito, el programa indica: No minimum credit score required by KHRC; must qualify for first mortgage at market-rate interest. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved housing counseling agency; both one-on-one counseling session and homebuyer education course required. Requisito de residencia: Must reside in purchased home. Ciudadanía o situación migratoria: U.S. citizens or lawful permanent resident aliens only; valid Social Security number required. Not available in Kansas City, Lawrence, Topeka, Wichita city limits, or Johnson County. Properties must pass KHRC inspection per HOME Final Rule 92.251. Max $10,000 in non-retirement assets before spend-down required. 30-year first mortgage interest rate cannot exceed Freddie Mac PMMS by more than 0.65%. Co-signers not allowed. Income limits are HOME limits (county-specific), not LIHTC limits.

KHRC First Time Homebuyer Program (FTHB) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. At or below 80% of HUD HOME area median income (county-specific). In 2026: Allen County 4-person limit $67,300; Sedgwick County $75,050; Leavenworth County $89,100. Full limits at kshousingcorp.org. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

KHRC First Time Homebuyer Program (FTHB) limita el precio de compra a $219,000. Los tipos de propiedad elegibles incluyen Single Family, Condo, Townhouse y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

KHRC First Time Homebuyer Program (FTHB) atiende a compradores de vivienda que compran en Statewide (excludes Kansas City, Lawrence, Topeka, Wichita city limits and Johnson County), Kansas.

Las solicitudes de KHRC First Time Homebuyer Program (FTHB) se tramitan a través de Kansas Housing Resources Corporation (KHRC), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.