First Time Homebuyer Program (FTHB)

First Time Homebuyer Program (FTHB) is sponsored by Kansas Housing Resources Corporation. This program, funded by the HOME Investment Partnerships Program, assists income-eligible first-time homebuyers with down payment and closing costs through a forgivable soft second mortgage.

Start your First Time Homebuyer Journey | Kansas Housing Resources Corporation Start Your Homebuying Journey Here Start Your Homebuying Journey Please fill out the form below to get more information and find out if your household may be eligible to receive down payment and closing cost assistance through the First Time Homebuyer program, administered by KHRC with federal HOME funds.

Our staff will follow up via email with more information and next steps. If you are not eligible, our additional resources may guide you on your homebuying journey. Your information will be kept confidential and will not be shared outside of our organization.

This field is for validation purposes and should be left unchanged. The First Time Homebuyer program does not operate in Johnson County or within the city limits of Topeka, Lawrence, Wichita, or Kansas City. These areas administer their own federal HOME funds, which may or may not be allocated for first-time homebuyers.

Do you wish to purchase a home in Johnson County or within the city limits of Topeka, Lawrence, Wichita, or Kansas City? (Required) Please list the cities and/or counties where you are interested in buying a home: (Required) Have you owned a home within the last three years?

(Required) Yes No *First Time Homebuyer is defined in the program as those who have never owned a home, or who have not owned a home at least three years prior to purchasing a new one. If you answer yes to this question, an additional question will populate to further determine eligibility. Do you qualify as any of the following?

(Required) A displaced homemaker: An adult individual who has not worked full-time in the labor force for several years but has, during such years, worked primarily without remuneration to care for the home and family, is unemployed or underemployed, and is having trouble obtaining or upgrading employment.

A single parent: If you're a single parent who's owned a home recently, but only with your ex-spouse, you could meet the definition of a first-time homebuyer. The owner of a manufactured home: This can mean you owned a mobile home or another residence that didn't have a permanent foundation. No, none of these choices apply to me.

Do you plan to reside in the home you purchase? (Required) Yes No How many people will live in the home you wish to purchase? (Required) What is your estimated home purchase price or range?

(Required) Maximum home purchase prices are set by county. The most common maximum purchase price limit is $219,000; however, depending on the county, the maximum purchase price may be higher than this amount. Maximum purchase price limits by county can be found here: https://kshousingcorp.

org/wp-content/uploads/2023/10/FTHB-Maximum-Purchase-Price-Limits-12-1-25. pdf How much can you invest in the downpayment of a new home? (Required) The First Time Homebuyer program requires participants to pay at least 1%, but no more than 10%, of the home sale price out-of-pocket.

For example, if the purchase price of the home is $219,000, the homebuyer(s) would be required to pay at least 1% of the home sale price toward the down payment, which would be $2,190. What is your annual household gross income (before taxes)? (Required) Household income limits by county can be found here: https://kshousingcorp.

org/wp-content/uploads/2024/05/2024-HOME-Program-Income-Limits-Effective-6-1-24. pdf What is your credit history like? (Required) Poor: 300 to 579 or no credit history *There is no minimum credit score to participate in the First Time Homebuyer program; however, individual lenders may have their own credit score requirements.

This question helps us get an idea of how close you are to being mortgage-ready so we can properly assist you with next steps. How did you hear about the First Time Homebuyer Program? (Required) A newspaper advertisement Consent Agreement (Required) By checking the box above and submitting this form, I agree and consent to KHRC staff contacting me regarding the First Time Homebuyer program using the information provided above.

I understand that the information provided in this form will be shared with KHRC staff for the purposes of providing me information about the First Time Homebuyer program and other housing resources, and that, except as required by law, the information will not be shared outside of KHRC.

I agree and understand that submission of this form does not guarantee that I will be eligible for the First Time Homebuyer program or any other assistance, and that I will need to submit a formal application and other information before any determination regarding eligibility is made.

I agree and acknowledge that KHRC makes no representations or guarantees regarding whether any assistance may be available to me through the First Time Homebuyer program, or any other program administered by KHRC. Please visit http://kshousingcorp. org/homebuyer-101-resources/ for more information about homebuying resources in these areas.

If you have further questions, please reach out to the First Time Homebuyer Program at FTHB@kshousingcorp. org. Housing Resources in Kansas The State of Kansas and the Federal Government have various programs to assist individuals; developers; cities, counties, non-profits; and lenders to meet their housing needs.

Housing Resources Listed by Department of Commerce Find Down Payment and Closing Cost Assistance Free Online Homebuyer Education Course Homebuyer Education Opportunities U.S. Department of Housing and Urban Development (HUD) Fannie Mae – Free Online Homebuyer Education Course The Homebuying Process By American Society of Home Inspectors Buying a home can be confusing and challenging, especially if it is your first time.

There are several steps that homebuyers need to take to purchase a home successfully. Home Maintenance Checklist By American Society of Home Inspectors Each season provides new conditions and specific areas to consider when owning a home. The checklist provided is an overall list of areas in your home that should be regularly checked, either monthly, seasonally, or annually.

What Every Homebuyer Should Know About Appraisals 10 Secrets Every First-time Homebuyer Should Know Seven Steps to Obtaining a Mortgage Protect Your Family from Lead in Your Home For Your Protection: Get a Home Inspection Making Homes Healthier for Families Healthy Homes Maintenance Checklist Help Yourself to a Healthy Home Housing Quality Standards Inspection Buying a house: Tools and resources for homebuyers Homeownership Education in Kansas Homeownership Assistance in Kansas Other Kansas Homebuyer Programs USDA Rural Development – Single Family Programs City of Lawrence Housing Assistance Programs City of Lawrence Home Purchase Program City of Leavenworth CDBG Home Ownership City of Topeka TOTO Homebuyer Program Johnson County Home Rehabilitation Habitat for Humanity Kansas Affiliates You are not permitted to submit this form!

Maximum Income for Weatherization (200% of FPL) This field is for validation purposes and should be left unchanged. Please note: Kansas Housing Resources Corporation (KHRC) is not a direct provider of housing or services. KHRC resources are provided by a network of partners across the state.

Access our website to learn more about the programs we administer, then contact your local housing or service provider to apply.