Down Payment Assistance in Kansas City
Through our many down payment assistance programs for first-time homebuyers, you may qualify for help with your down payment and closing costs.
Who it’s for
- First-time buyers who need help with cash to close
- Buyers with steady income but limited savings
- Buyers who fall within a program’s income and price limits
- Buyers who want to combine assistance with an FHA, conventional, or other loan
What lenders typically look at
Types of help
Assistance may come as a grant, a forgivable loan, or a second mortgage. Repayment terms differ by program.
Income and price limits
Most programs limit household income and the purchase price. Limits vary by county.
First-time buyer rules
Many programs are for first-time buyers, often defined as not owning a home in the past three years. Some programs have no such rule.
Homebuyer education
Many programs require a short homebuyer education course.
Many programs to choose from
We work with many down payment assistance programs for first-time homebuyers, and you may qualify for one of them. Availability and funding change often, so call me and I will check what fits you.
Typical ranges are shown for general information only. Requirements, rates, and availability vary by lender, program, property, and borrower, and are subject to change. This is not a commitment to lend.
How it works with me
Check your eligibility
Call or text me, meet in person, or connect online. I look at your income, the area, and your goals.
Match a program and a loan
I look across many assistance programs and my 250+ lenders to pair the right help with a loan that works for you.
Close with confidence
I keep you updated, answer your questions, and stay with you through closing day.
Common questions
Is down payment assistance free money?
Sometimes. Some programs are grants, but many are loans that are forgiven over time or repaid when you sell or refinance. I’ll explain the terms of any program before you decide.
Do I have to be a first-time buyer?
Many programs require it, and some don’t. I’ll check which ones fit your situation.
Can I use it with any loan?
Usually it has to be paired with specific loan types, like FHA or certain conventional loans. We’ll match a program to a loan that works for you.
Told no somewhere else? Call me.
I can’t promise a yes, but I’ll look at every option. Call or text, or meet in person.