First-Time Home Buyer in Kansas

The first Kansas mortgage pathway most new buyers ask about — which program fits, how much down, what credit score, and what the Kansas Housing Resources Corporation (KHRC) can add on top.

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Quick answer

The first Kansas mortgage pathway most new buyers ask about — which program fits, how much down, what credit score, and what the Kansas Housing Resources Corporation (KHRC) can add on top.

What Kansas buyers in this situation should know

If you’ve never owned a primary residence — or haven’t in the last three years — you qualify as a first-time buyer for most Kansas programs.
The most common first-time buyer programs in Kansas: FHA (3.5% down, 580+ credit), Conventional 97 / HomeReady / Home Possible (3% down, 620+ credit), VA (0% down, eligible veterans), USDA (0% down, eligible rural properties).
KHRC down payment assistance stacks on top — up to 4% of the loan amount in grant or forgivable-loan form, depending on program and county.
Expect 3-5% of the purchase price in closing costs. Seller concessions (1-3% typical) often cover most or all of them.
See our full first-time buyer guide for the month-by-month timeline.

Next step

Scenarios get complicated. Start a pre-approval and Radley reviews your specific file, documents, and credit — personally. Or call (620) 860-4480 for a 15-minute no-credit-pull conversation.

First-Time Home Buyer in Kansas

What Kansas buyers in this situation should know

Next step

Every scenario is a real number — after a real pre-approval.