Housing Resources in Kansas

Affordable, quality and accessible housing is a critical component to growing the Kansas economy and improving the quality of life in our state.

The Department of Commerce is working with the Kansas Housing Resources Corporation, USDA-Rural Development and Federal Home Loan Bank to ensure the state has enough good quality and affordable housing for all Kansans.

The State of Kansas and the Federal Government have various programs available to assist individuals; developers; cities, counties and non-profits; and lenders to meet their housing needs.

These programs are listed below, click to expand for contact information and links to additional information.

Featured Resources

Startup Housing Opportunity Venture Loan – (SHOVL)

The goal of SHOVL is to provide funding to developers for expenses incurred prior to the closing of their permanent financing for housing developments in Kansas communities that have experienced housing challenges.  The housing developments must have a direct connection to past, current or future economic development efforts.  Developers may include private individuals, corporations, limited liability companies, nonprofits, and local units of government. The Startup Housing Opportunity Venture Loan (SHOVL) funds will be provided on a project-by-project basis in communities under 10,000 population.

Kansas Wage Analysis Map
Housing Developer Database

The purpose of this database is to identify developer skills and preferences so they can be matched with housing needs in Kansas. This information is provided for comparison purposes only and its accuracy is not guaranteed or warranted. Furthermore, the Kansas Department of Commerce is not recommending any particular developer. Each community or property owner will need to perform their own due diligence on any developer(s) they select. For questions regarding this form contact: Randy Speaker, Housing Specialist at randy.speaker@ks.gov or (785) 296-8498

House Bill 2237 and Governor Kelly Budget Enhancement Summary

House Bill 2237 and Governor Kelly Budget Enhancement Summary​
Housing Legislation Overview 2022​

Housing Assessment Tool

After completing the HAT, a community is encouraged to attend a Housing Inter-agency Advisory Committee (HIAC). HIAC is a meeting where the community presents their HAT to Kansas Department of Commerce, Kansas Housing Resource Corporation, USDA-Rural Development and Federal Home Loan Bank .

Developers

Affordable Housing Program (AHP)
Community Housing Development Organizations (CHDO)
Low Income Housing Tax Credit (LIHTC)
Private Activity Bond Program (PAB)

The PAB is designed to provide local units of government the ability to issue tax-exempt bonds for a number of purposes including, but not limited to: facility and equipment financing for qualified manufacturers and processors, Beginning Farmers Program, waste treatment facilities, Mortgage Credit Certificates (MCC), Mortgage Revenue Bonds (MRB), and financing for residential rental developments.

Rural Housing Incentive District (RHID) Act

Rural Rental Housing Program

Loans can be combined with housing tax credits and other affordable housing products to help offset development costs.

Government Entities, Cities, Counties, and Non-Profits

Community Development Block Grant (CDBG) Housing Program
Housing Preservation Grant Program
Moderate Income Housing (MIH) Program
The Emergency Solutions Grant (ESG) Program

The five components available for ESG funds include street outreach, emergency shelter, homelessness prevention, rapid re-housing assistance and data collection through the Homeless Management Information System (HMIS).

Individuals

First Time Homebuyer Program (FTHB)

Income-eligible households that have not owned a home in the past three years may apply for the FTHB.

Homeownership Set-Aside Program (HSP)

FHLBank members are eligible to access HSP funding to assist first-time homebuyers in areas they serve.

USDA Direct Home Loan Program

Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities. To check property and income eligibility for the program, view USDA’s Property & Income Eligibility Website.

USDA Guaranteed Rural Housing Loan Program

USDA Rural Development partners with locally approved lenders to help them extend financing to individuals and families wishing to purchase in rural communities. The program is available for the purchase of existing and newly constructed homes. To check property and income eligibility for the program, view USDA’s Property & Income Eligibility Website

USDA Home Repair Program

Homeowners 62 years and older may qualify for a grant if they are unable to repay a loan. To check property and income eligibility for the program, view USDA’s Property & Income Eligibility Website.

Weatherization Assistance Program

Eligible participants are residents of households with income at or below 200 percent of the federal poverty guidelines.

Lenders

Community Development Program (CDP)

This favorable pricing, coupled with the availability of funds in terms of four months to 30 years, helps lenders extend long-term, fixed rate credit for community development.

Community Housing Program (CHP)

This favorable pricing, coupled with the availability of funds in terms of four months to 30 years, helps lenders extend long-term, fixed rate credit for housing.

Kansas Housing Loan Deposit Program

Under this program, the State Treasurer places funds in Kansas banks or farm credit associations so that they may issue loans to eligible borrowers. The amount of the loans are dependent on the purpose and are authorized for up to 5 years for single- and multi-family dwelling homes and up to 20 years for adult care and assisted living homes. Interested borrowers should contact their lenders for more information on if this program is right for them. Lenders must have an executed Participation Agreement on file in the State Treasurer’s Office to participate in the program.

Want to Learn More About Community Development Programs?