Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-Time Buyer loans in Kansas

Quick answer

First-time buyers in Kansas can use FHA (3.5% down), conventional 97 (3% down), VA or USDA loans, plus programs from Kansas Housing Resources Corporation (KHRC). On a $203,400 home, 3% down is about $6,102.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

First-Time Buyer loan snapshot for Kansas

ItemEstimate
Minimum down payment0%–3.5%
Minimum credit score580–620
Typical KS home value$203,400
3.5% down on typical home$7,119
20% down on typical home$40,680
Avg. effective property tax1.30%/yr (~$220/mo)
Income for typical home (31% rule)$66,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Kansas programs pair with First-Time Buyer loans?

  • First Time Homebuyer Program: Deferred down payment assistance for lower-income first-time buyers, often paired with homebuyer education.
  • Local DPA: Wichita, Kansas City (KS) and other cities run their own assistance programs.

Details and current limits: Kansas Housing Resources Corporation (KHRC).

Compare first-time buyer loan options

LoanMin. downMin. creditMortgage insurance
FHA3.5%5801.75% upfront + annual MIP
Conventional 97 / HomeReady / Home Possible3%620PMI, removable
VA0%Lender-set (~580–620)None (funding fee)
USDA0%~6401% upfront + 0.35% annual

Who counts as a first-time home buyer?

Under HUD and most agency definitions, you're a first-time buyer if you haven't owned a principal residence in the last three years. Single parents and displaced homemakers who only owned with a former spouse may also qualify.

First-Time Buyer loans in Kansas cities

First-Time Buyer in WichitaFirst-Time Buyer in Overland ParkFirst-Time Buyer in Kansas CityFirst-Time Buyer in OlatheFirst-Time Buyer in TopekaFirst-Time Buyer in LawrenceFirst-Time Buyer in ShawneeFirst-Time Buyer in LenexaFirst-Time Buyer in ManhattanFirst-Time Buyer in SalinaFirst-Time Buyer in HutchinsonFirst-Time Buyer in LeavenworthFirst-Time Buyer in LeawoodFirst-Time Buyer in Garden CityFirst-Time Buyer in Dodge CityFirst-Time Buyer in DerbyFirst-Time Buyer in EmporiaFirst-Time Buyer in GardnerFirst-Time Buyer in Prairie VillageFirst-Time Buyer in Junction CityFirst-Time Buyer in HaysFirst-Time Buyer in PittsburgFirst-Time Buyer in LiberalFirst-Time Buyer in NewtonFirst-Time Buyer in AndoverFirst-Time Buyer in Great BendFirst-Time Buyer in McPhersonFirst-Time Buyer in El DoradoFirst-Time Buyer in OttawaFirst-Time Buyer in Arkansas CityFirst-Time Buyer in WinfieldFirst-Time Buyer in LansingFirst-Time Buyer in HaysvilleFirst-Time Buyer in MerriamFirst-Time Buyer in Atchison

Frequently asked questions

Yes. First-Time Buyer loans are available statewide in Kansas through approved lenders, subject to county loan limits where they apply.

Often yes. Kansas Housing Resources Corporation (KHRC) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Kansas.

Get matched with First-Time Buyer lenders in Kansas

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.