Down Payment and Closing Cost Assistance Grants,  Loan Products, and Homebuyer Programs

Capitol Federal Savings Home-At-Last Loans (updated April 2009)

Specially designed program for low to moderate income first-time homeowners. Several financing options to fit your needs and budget. If you qualify, you need very little down and you obtain quick approval.  Capitol Federal, Member FDIC and Equal Housing Lender.

City of Topeka - New Construction Affordable Housing - Neighborhood Revitalization Act (updated January 2011)
Topeka new construction opportunities in Chesney Park (limited number of lots for custom homes) and Tennessee Town.  Purchase your very own new home - NRA partial tax rebate available.

CoreFirst Bank and Trust  (updated October 2009)
Currently CoreFirst Bank and Trust offers financing of Conventional (Fixed and Arms) FHA, VA and the TOTO Program with 10 to 30 year loans.

FHA - Why Should I Consider an FHA Home Purchase Loan? (updated January 2012)

Several good reasons to consider an FHA loan when purchasing a home.

FHA - What is an FHA Energy Efficient Mortgage?  (updated January 2012)

Mortgages that are federally recognized, available in all states, and give you the means to upgrade the home you want to buy to make it more energy efficient.

FHLB Homeownership Set-aside Programs (HSP) (updated March 2010)
Programs designed to help first-time homebuyers in rural areas, homebuyers with a disability, and existing homeowners in federally declared disaster areas.  Applicant must have an income 80 percent or less of area median, based on income of all household members. Additional requirements apply.  Programs open March 1, 2010. 

Kansas Housing Resources Corporation - First Time Home Buyers  (updated March 2010)
This program provides down payment assistance for the purchase of a first home - must be qualified Kansas buyers with incomes at or below 80 percent of median income in their area.

Topeka Habitat for Humanity (updated March 2010)
To qualify for a home, individuals must meet certain income guidelines and demonstrate the ability to pay a $500 monthly mortgage payment (no more than 30% of gross household income). 

US Bank (updated January 2012)

American Dream Mortgage! Maximum purchase price is determined by income level.  Maximum household income is limited to 80% of HUD area median income.

USDA Rural Development Direct Loan (updated June 2010)
The USDA Rural Development Direct Loan program provides loans to low, very low and moderate income homeowners in rural communities.  Programs include:

• Direct Housing Loans (income limits - available only to low and very low income applicants)

• Guaranteed Rural Housing Loans (income limits but no loan limits - available to low, very low and moderate income applicants)

• Home Repair Financing (can assist applicants in the very low income category obtain needed repairs to the home at 1%.  Applicants 62 yrs of age or older, with little or no repayment ability, may be eligible for a grant up to $7,500 or a loan-grant combination.)