Buying your first home in Kansas can feel overwhelming, but there's more help available than most people realize. Here's a plain-English look at the first-time home buyer programs and loan options Wichita buyers use most — and how to get started.

Down payment assistance in Kansas

Kansas Housing Resources Corporation (KHRC) has offered first-time buyer assistance designed to help with down payment and closing costs, and some cities and counties run their own programs too. Program names, funding, and income limits change from year to year, so the smart move is to confirm what's currently available before you shop. We're happy to point you to current programs and lenders who work with them.

Loan options for first-time buyers

• FHA loans: Lower down payment and more flexible credit requirements — a common first-time choice.
• VA loans: For eligible veterans and service members — often zero down with no monthly mortgage insurance.
• USDA loans: Zero-down financing for eligible homes in rural areas around the metro.
• Conventional loans: Some programs allow as little as 3% down for qualified buyers.

Steps to buy your first home

• Check your credit and clean up any easy wins a few months out.
• Get pre-approved with a trusted local lender so you know your real budget.
• Set your must-haves — location, schools, commute, and home style.
• Tour and make an offer with an agent negotiating on your behalf.
• Inspect, appraise, and close — we'll guide you through each step.

Common first-time mistakes to avoid

Skipping pre-approval, shopping at the very top of your budget, making big purchases before closing, and waiving an inspection to win a bid are the ones we see most. A good agent helps you sidestep all of them.

New to the process? Reach out and we'll walk you through your options at your pace — no pressure.