Kansas · Forgivable loan

KHRC DPA (Kansas)

15-20% of price — forgiven after 10 years

15% or 20% of purchase price as silent second mortgage. Forgiven after 10 years. Below 80% AMI.

KHRC provides 15-20% of purchase price as forgivable DPA — the highest forgivable percentage nationally. Combined with Kansas's affordable prices, this program can provide a free down payment on properties statewide.

Amount15-20% of price — forgiven after 10 years

TypeForgivable loan

Available inKansas

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

20% forgivable is one of the highest percentage DPAs in the US. On a $200K home = $40K forgiven.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

Kansas DPA Grant $7,500

Kansas · Grant

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