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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.
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