Down Payment Assistance Program

Down payment assistance programs are usually state-sponsored and are designed to aid qualified borrowers who may not have enough for a down payment or who don't qualify for zero-down payment loans. Programs and requirements vary by state.

INCOME LIMITS

All Loans – Government (FHA, USDA, VA) & Conventional (FHLMC)
140% AMI

Maximum Income

Kansas City MSA – $144,340
(Leavenworth, Wyandotte, Johnson, Linn & Miami)

Lawrence MSA – $142,800
(Douglas)

Nemaha County – $142,380

All Other Areas – $133,420

How it works!

KansasDPA PROGRAM IS A STATEWIDE PROGRAM FOR HOMEBUYERS.
HOMEBUYERS CAN RECEIVE UP TO A PERCENTAGE IN DOWN PAYMENT ASSISTANCE IN THE FORM OF A GRANT WITH THEIR MORTGAGE.

Sedgwick County and Shawnee County are the co-sponsors of this STATEWIDE homebuyer program

QUALIFICATIONS

To qualify for the KansasDPA Program you must:

Have qualifying credit – A minimum credit score of 640.

Meet the income and purchase price limit – see below

Purchase one of the following types of homes:

  • Single family detached homes
  • Duplex (provided one unit owner occupied)
  • Condominiums
  • Townhome
  • Manufactured Housing

PROGRAM BENEFITS

A 30-year fixed rate mortgage loan with various levels of assistance up to a percentage, that can be used for down payment or closing costs. This assistance is in the form of a grant.

HOW TO APPLY

Contact our team below for a participating lender.

Diana Minardi: 720.673.3948
Eva Sloate: 720.673.3955

DOWNLOAD FLYER

Click here to download an informational flyer.

KansasDPA Flyers

Have a Question?

Flint Hills Mortgage Has An Answer

A down payment assistance program is designed to help eligible homebuyers cover the upfront costs of purchasing a home, particularly the down payment and sometimes closing costs.

Eligibility criteria vary by program but often include factors such as income limits, first-time homebuyer status, and completion of homeownership education courses.

Benefits may include access to homeownership with a lower upfront financial burden, potential lower interest rates, and reduced mortgage insurance requirements.

Programs can vary by location and funding source but may include grants, forgivable loans, deferred loans, and matching funds to supplement a buyer’s own down payment savings.

Not necessarily. While many programs target first-time buyers, some DPAs are available to repeat buyers or those who meet certain income and location criteria.

Application processes differ by program. Generally, you’ll need to work with a participating lender who can guide you through the application and approval process.

Terms vary by program. Some DPAs are structured as grants or forgivable loans that do not need to be repaid if certain conditions are met. Others may require repayment over time.

 

Yes, DPAs can often be combined with various mortgage programs, including conventional, FHA, VA, and USDA loans, depending on the specific program’s guidelines.

Yes, many programs have income limits based on the area’s median income. Income limits may vary by household size and geographic location.

Required documents typically include proof of income, identification, tax returns, bank statements, and details about the property you intend to purchase. Your lender or DPA program administrator can provide a specific list.

Contact Us

801 E Douglas Ave RM 206 Wichita KS 67202

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