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Housing Resources in Kansas

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

The Kansas 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 to assist individuals; developers; cities, counties, 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 Commerce Resources

Kansas Housing Resources Overview
Kansas Wage Analysis Map

The Kansas Wage Analysis Map estimates the type of housing investment needed in each Kansas county based on the Area Median Income (AMI). The color-coded map shows the counties with the following housing gap: LIHTC/Section 8, market rate duplexes, or moderate-income housing. Each county has a report breaking down the AMI by the number of persons in a household to calculate its affordable housing.  The map approximates the type of housing investment needed to fill the housing gaps that are potentially limiting homeownership and business growth.

Housing Developer Database

The Housing Developer Database aims to help communities and property owners better understand which developers have common interests as it relates to housing development. If you are a developer, you can create a profile to share your skills and preferences with interested parties with housing needs. Please fill out the “Developer Profile Form” if interested.

House Bill 2237 and Governor Kelly Budget Enhancement Summary

Governor Laura Kelly increased the state’s funding for housing by $65 million over two years in April 2022. This funding will be dedicated to the development and renovation of moderate-income housing and the creation of a state’s revolving loan program to support the state’s workforce needs and close the financing gap in rural communities. The Kansas Housing Resources Corporation (KHRC) administers these funds.

Housing Assessment Tool (HAT)

The HAT is a self-assessment guide for communities to gather and analyze their data on their housing inventory, partner with relevant stakeholders, and develop priorities for local housing investment. Communities can use this tool to make data-driven decisions in addressing housing investment opportunities. The HAT is required to apply for the CDBG housing grant funding.

  • For more information contact Elizabeth Heron, Placemaking Community Development Specialist at (785) 496-0978 or [email protected]

Developers

Affordable Housing Program (AHP)

Federal Home Loan Bank

Type: Grant

Eligible Grantees: Developers

Description: Aids developers in financing the purchase, construction, or rehabilitation of owner- and rental-occupied housing for low- or moderate-income households through subsidized advances and direct subsidies.

Contact: Dustie Nitcher at (785) 478-8060 or [email protected]

Community Housing Development Organizations (CHDO)

Kansas Housing Resources Corporation

Type: Loan

Eligible Grantees: Non-profit developers

Description: Acquire, rehabilitate, or construct rental housing in rural areas

Contact: Barry McMurphy at (785) 217-2024 or [email protected]

Federal and State Low Income Housing Tax Credit (LIHTC)

Kansas Housing Resources Corporation

Type: Tax Credit

Eligible Grantees: Developers

Description: Offered for the construction and rehabilitation of rental housing for working families. The 4% credits are paired with the Private Activity Bond Program (PAB). LIHTC focus areas: rural; special need populations; addressing a housing shortage; housing with HUD Section 8, USDA Housing Assistance, or Public Authority; or housing developments with a current waiting list.

Contact: Alissa Ice at (785) 217-2036 or [email protected]

Kansas Historic Rehabilitation Tax Credits

State Historical Preservation Office

Type: Tax Credit

Eligible Grantees: Developers

Description: Offered for qualified rehabilitation projects on properties listed on the State or National Register of Historic Places.

Contact: SHPO staff at (785) 272-8681 or [email protected]

Kansas Housing Investor Tax Credit (KHITC)

Kansas Housing Resources Corporation

Type: Tax Credit

Eligible Grantees: Developers

Description: Offered for qualified developers and builders who make cash investments in qualified housing developments in counties with a population of less than 75,000.

Contact: Alissa Ice at (785) 217-2036 or [email protected]

Private Activity Bond Program (PAB)

Kansas Housing Resource Corporation

Type: Tax Exempt Bond Program

Eligible Grantees: Developers

Description: Provides local units of government the ability to issue tax-exempt bonds for low-interest, long-term financing for developers and businesses. This tax-exempt bond program provides 4% tax credits to be a source of equity to the developer and lower rental rates to serve low-income households. The credits can be paired with LIHTC.

Contact: Affordable Housing Information: Alissa Ice (KHRC) at (785) 217-2036 or [email protected]
Other: Tim Zimmerman (KDC) at [email protected]

Rural Housing Incentive District (RHID)

Kansas Department of Commerce

Type: Reimbursement

Eligible Grantees: Developers in cities under 60,000, counties under 80,000, or the City of Topeka

Description: Provides reimbursements for developers in building housing in rural communities by 1) financing housing development infrastructure or 2) renovations of buildings or structures built over 25 years ago for residential use in a central business district. There must be an established RHID defined by an adopted City or County resolution. RHID captures the incremental increase in property taxes created by the development projects for up to 25 years.

Contact: Robert North at [email protected] or Randy Speaker at [email protected]

Rural Rental Housing Program

USDA-Rural Development

Type: Loan

Eligible Grantees: Developers

Description: Provides financing for affordable multi-family rental housing for low-income, elderly, or disabled individuals and families in eligible rural areas. Funds can be used for buying and improving land and providing the necessary infrastructure.

Contact: USDA Multi-Family Housing Service at [email protected]

Startup Housing Opportunity Venture Loan (SHOVL)

Kansas Department of Commerce

Type: Loan

Eligible Grantees: Developers

Description: Provides funding for expenses incurred prior to the closing of their permanent financing for housing developments in communities under 10,000 that have experienced housing challenges. The developments must have a direct connection to past, current, or future economic development efforts.

Contact: Randy Speaker at 785-296-8498 or [email protected]

Government Entities, Cities, Counties, and Non-Profits

Community Development Block Grant (CDBG) Housing Program

Kansas Department of Commerce

Type: Grant

Eligible Grantees: All cities and counties in Kansas, except for Johnson County, all towns within Johnson County, Kansas City, Manhattan, Lawrence, Topeka, Wichita, and Leavenworth.

Description: Funding for housing rehabilitation and demolition or neighborhood development for low- and moderate-income (LMI) households. Activities include rehabilitation for owner- and rental-occupied housing, relocation of households from dilapidated residences, demolition of dilapidated housing, or removal of architectural barriers in residential properties. Neighborhood development includes those activities, in addition to public facilities improvement (street, drainage, curbs, or public sidewalks). Funds are also available for emergency rehabilitation for LMI households.

Contact: Linda Hunsicker at (785) 215-4484 or [email protected]

Housing Preservation Grant Program

USDA-Rural Development

Type: Grant

Eligible Grantees: Government entities, nonprofit organizations, or federally recognized tribes

Description: Provides funding for repair or rehabilitation of housing units owned or occupied by low- and very-low-income rural citizens.

Contact: Tracy McCubbin at (785) 624-3244 or [email protected]

Moderate Income Housing (MIH) Program

Kansas Housing Resources Corporation

Type: Grant and/or Loan

Eligible Grantees: Cities and Counties under 60,000

Description: Provides funding to develop multi-family rental units and single-family for-purchase homes.

Contact: MIH staff at [email protected]

The Emergency Solutions Grant (ESG) Program

Kansas Housing Resources Corporation

Type: Grant

Eligible Grantees: Homeless service organizations

Description: Provides funding for providers who assist Kansans experiencing homelessness or at risk of becoming homeless.

Contact: Doug Wallace at (785) 217-2019 or [email protected]

Individuals

First Time Homebuyer Program (FTHB)

Kansas Housing Resource Corporation

Type: Subsidy

Eligible Grantees: Individuals earning less than 50% of the Area Median Income (AMI)

Description: Down payment assistance for purchasing a first home.

Contact: Cynthia Howerton at (785) 217-2025 or [email protected]

Home Loan Guarantee for Rural Kansas (HLG)

Kansas Housing Resources Corporation

Type: Loan Guarantee

Eligible Grantees: Existing or prospective homeowners in rural Kansas counties under 10,000.

Description: Provides assistance in guarantee loan gaps for financial institutions. The loans can be used for land and building purchases, renovations, and new construction costs that may be capitalized or financed.

The HLG program serves existing and prospective homeowners in rural Kansas counties by helping guarantee loan gaps for financial institutions. The loans can be used for land and building purchases, renovations, and new construction costs that may be capitalized or financed in rural Kansas counties under 10,000 population.

Contact: Marilyn Stanley at (785) 217-2044 or [email protected]

Homeownership Set-Aside Program (HSP)

Federal Home Loan Bank

Type: Grant

Eligible Grantees: First-time homebuyers earning at or below 80% of the Area Median Income (AMI)

Description: Provides down payment, closing cost, and repair assistance purchasing or constructing homes.

Contact: Jessica Puvogel at (785) 478-8064 or [email protected]

Kansas Homeownership Assistance Fund (KHAF)

Kansas Housing Resource Corporation

Type: Grant

Eligible Grantees: Households earning less than 150% of the Area Median Income (AMI)

Description: Helps households get current on their mortgages, property taxes, and utility payments to avoid foreclosure.

Contact: KHRC at (855) 307-KHAF (5423)

Tenant Based Rental Assistance

Kansas Housing Resources Corporation

Type: Subsidy

Eligible Grantees: Individuals earning less than 60% of the Area Median Income (AMI)

Description: Assists with rent, security deposit, or utility deposits

Contact: Cynthia Howerton at (785) 217-2025 or [email protected]

USDA Direct Home Loan Program

USDA-Rural Development

Type: Loan

Eligible Grantees: Income-eligible, without safe and sanitary housing in eligible rural areas unable to obtain loans from other sources

Description: Funding for building, repairing, renovating or relocating a home, or to purchase and prepare sites, including water and sewage facilities.

Contact: Tracy McCubbin at (785) 624-3244 or [email protected]

USDA Guaranteed Rural Housing Loan Program

USDA-Rural Development

Type: Loan

Eligible Grantees: Income-eligible households living in rural areas

Description: Offers financing in partnership with locally approved lenders to purchase an existing or newly constructed home.

  • For more information, contact an approved lender
  • For lenders who want to become approved, contact [email protected]
USDA Home Repair Program

USDA-Rural Development

Type: Loan or Grant

Eligible Grantees: Income-eligible homeowners

Description: Loans to homeowners to repair, improve or modernize homes or grants to elderly homeowners to remove health and safety concerns.  

Contact: Tracy McCubbin at (785) 624-3244 or [email protected]

Weatherization Assistance Program

Kansas Housing Resources Corporation

Type: Grant

Eligible Grantees: Income-eligible homeowners and renters

Description: To improve energy efficiency and lower utility bills, a comprehensive home energy audit is provided to identify home inefficiencies and health and safety concerns. Based on a home’s audit results, a variety of weatherization activities are served free of charge.

Contact: Brina Nold at (785) 217-2004 or [email protected]

Lenders

Community Development Program (CDP)

Federal Home Loan Bank

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

For more information, contact Tom Thull at (785) 478-8056 or [email protected]

Community Housing Program (CHP)

Federal Home Loan Bank

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

For more information, contact Tom Thull at (785) 478-8056 or [email protected]

Kansas Housing Loan Deposit Program

Kansas State Treasurer

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 number of loans is 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 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 this program.

Want to Learn More About Community Development Programs?