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First-Time Home Buyer Loans in Kansas

If you’re a Kansas State first-time home buyer you may qualify to utilize the $30,806 WISH Grant

Not every first-time buyers has saved enough for 20% down. The good news is that you don’t need that much. 

Zero Down Loan Program

Refined Lending is excited to offer a zero down loan program to qualified buyers. Check out the program highlights below and contact us for full program details!

  • 0% Down payment
  • No city or county geographical restrictions
  • $150,000 income limit
  • 600 min credit score
  • Up to 55% debt to income ratio
  • Available in Every state
  • $0 buyer funds required
  • Up to 5% seller paid closing costs
  • Standard 30 year fixed rates apply

City of Leavenworth Home Ownership

The City of Leavenworth Home Ownership Program can provide up to $8,000 in Community Development Block Grant (CDBG) funding for qualified applicants to purchase a home within Leavenworth city limits. Click Here for Full Details.

Wichita Housing Program

The City of Wichita’s HOMEownership 80 Program provides financial assistance with down payments and closing costs for first-time homebuyers in the City’s HOMEOwnership 80 Assistance Areas. The City’s HOME 80 program is made possible with annual funding through a federal grant from the US Department of Housing and Urban Development (HUD).

Click here for full details.


Most major cities have at least one down payment assistance program. They’re all likely to have similar eligibility requirements, including that you’ve completed a homeowner education course; use an approved lender; and meet local income limits. Check with your Refined Lending loan officer for other loan terms and conditions.

Kansas Housing

Program Description

KHRC helps enable the dream of homeownership through offering first-time buyers assistance with down payment and closing costs. KHRC collaborates with a network of participating lenders across the state, allowing homebuyers to apply for a 0% interest loan in the amount of 15 or 20% of the home’s purchase price. If the homebuyer remains in the home for 10 years, the loan is forgiven! Homebuyers must make an investment of 1% but no more than 10% of the sale price from their own funds.   This program can be paired with other homebuyer programs.

Click here for full details.

All programs subject to change at anytime without notice. Not a commitment to lend. Client must qualify for program with Refined Lending and the assistance or grant program selected.  * Sources | |

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