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

Capital Federal Savings Home-At-Last Loans

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.

Capital Federal Savings Pre-Approvals with a 60-day Fixed Rate Lock Guarantee

A full-fledged approval with no surprises at closing time. 60-day rate locks available for a low cost of $50.

City of Topeka Neighborhood Revitalization Area (NRA)
NRA is a property tax rebate in a designated area that would otherwise be paid on the actual value added to a property by improvements. The rebate only applies to the additional taxes resulting from the increase in the assessed value of the property due to the improvements.

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

Kansas Rural Homeownership AHP Grant  
Proceeds must be used to finance the purchase, construction and/or rehabilitation of owner-occupied housing for low- and moderate-income households; or finance the purchase, construction and/or rehabilitation of rental housing in which at least 20% of the units will be occupied by, and affordable for, very low-income.

State of Kansas Home Investment Partnership Program  
The State of Kansas "Home" Program allows income qualified individuals to receive a subsidy that can be used for down payment, closing costs and any legal fees associated with closing the loan.

Targeted Ownership Program  
The Federal Home Loan Bank of Topeka's Targeted Ownership Program (TOP) provides a $4,000 grant ($28,000 per year maximum per FHLB member) for down payment, closing cost or rehabilitation assistance to disabled or handicapped persons purchasing a home in the area of the FHLB's district of Kansas, Colorado, Nebraska and Oklahoma.

Topeka Habitat for Humanity
A willingness to partner with Topeka Habitat for Humanity with 300 hours of "sweat equity" on your home or in other parts of the program.

US Bank Barrier Buster Loan Program 
Income eligibility restrictions.  Eligible properties are 1-2 unit single family detached or attached properties or approved condominiums.  Owner-occupied principal residence only.

US Bank American Dream Home Loans 
US Bank program available for one to four family units for approved and eligible condos and town homes.  Only available for occupied principal residences.  Income guidelines apply.  Property inspection required.

USDA Rural Development Direct Loan 
The USDA Rural Development Direct Loan program provides loans to low income homebuyers purchasing a home in a rural community, under 20,000 population.