Kansas First Time Home Buyer
Kansas has one of the lower unemployment rates in the nation buy home prices keep falling and Kansas City leads the way with 16% deflation for 2009. Home sales are starting to pick up due the first time home buyer credit and bargain basement foreclosures.  

Special Programs
The My Community Kansas First Time Home Buyer Program Opens Doors for a Fireman, Police Officer, Paramedic, Teacher, Healthcare Worker such as  Nurse, and Military Personnel. This program features 3% down financing and you receive a $500 credit toward closing costs. Also, you can have use part-time or overtime income from last 12 months to qualify.

Kansas First Time HomeBuyer FHA Program
FHA $100 down program is available if you purchase FHA foreclosure. 

Please visit FHA mortgage limits if your Metro Area doesn't appear below.

VA Program
Zero down payment up to $417,000 loan amount

If you served during wartime for at least 90 consecutive days or during peacetime for at least 181 consecutive days then you are eligible for the VA Home Loan Program. If you are currently on active duty then you are eligible for the program after 90 days of active service. You are also eligible if you are on Reserve, as long as you have served for at least six years, which can be non-consecutive and in different branches of the Reserves. The Reserve branches eligible for the VA Home Loan Program are Army National Guard, Army Reserve, Air National Guard, Coast Guard Reserve, Navy Reserve, Marine Corps.

Kansas USDA Rural Program
Zero down payment with NO PMI or mortgage insurance. You must purchase home in eligible county and there are maximum income limits.  The income limit for most counties is $73,600.

List of INELIGIBLE COUNTIES: Butler, Doniphan, Douglas, Finney, Ford, Harvey, Johnson, Leavenworth, Lyon, Pottawatomie, Reno, Riley, Saline, Sedgwick, Shawnee, and Wyandotte.

Visit USDA website to determine if a specific home is eligible for the program. You will need full address with zip code.

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