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.

Housing Assessment Tool

The Housing Assessment Tool (HAT) was designed as a tool to assist communities to become more aware and informed of their current housing inventory in order to develop relevant strategies for housing improvement.

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)

The Federal Home Loan Bank (FHLBank) systems’ Affordable Housing Program (AHP) is a privately funded housing grant program whereby FHLBank Topeka partners with its member financial institutions and public and private housing development organizations to provide grants to help fill financing gaps on income-eligible owner and rental housing initiatives.

Community Housing Development Organizations (CHDO)

The HOME Rental Development Program, funded through the Federal HOME Investment Partnerships program, assists communities and developers with increasing the supply of affordable rental housing. Nonprofit organizations must meet certain criteria to be considered a CHDO, as defined by HOME program regulations.

Low Income Housing Tax Credit (LIHTC)

The Low-Income Housing Tax Credit (LIHTC) Program promotes the development of affordable rental housing for low-income individuals and families.

Private Activity Bond Program (PAB)

Tax-Exempt Bond financing for multifamily housing is available through the State’s Private Activity Bond (PAB) authority.

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

The Rural Housing Incentive District (RHID) Act provides cities and counties a program to assist developers to build housing in rural communities by assisting in the financing of public improvements.

Rural Rental Housing Program

USDA’s Rural Rental Housing Program provides loans and guaranteed loans to increase the supply of affordable rural rental housing for income eligible tenants.

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

The CDBG housing funds may be awarded to non-entitlement communities to add 20 years of useful life to the homes within their community occupied by low-to-moderate income citizens.

Housing Preservation Grant Program

USDA’s Housing Preservation Grants provide qualified, public, non-profit organizations and public agencies funding to assist very-low and low-income homeowners to repair and rehabilitate their homes in rural areas.

Moderate Income Housing (MIH) Program

The Moderate Income Housing Program (MIH) aims to help cities and counties develop new infrastructure and housing in rural areas.

The Emergency Solutions Grant (ESG) Program

The ESG replaces the Emergency Shelter Grant Program and expands the eligible activities to include homeless prevention and rapid re-housing components.

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)

The First Time Homebuyer Program (FTHB) provides a forgivable loan to greatly reduce the out-of-pocket expenses associated with buying a home.

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

Homeownership Set-Aside Program (HSP)

The Homeownership Set-aside Program (HSP) is a down payment, closing cost and rehabilitation assistance program designed to help first-time homebuyers in FHLBank’s district purchase a home.

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

USDA Direct Home Loan Program

USDA Rural Development’s Direct Home Loan Program is used to help low-income individuals or households purchase homes in rural areas.

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’s Direct Home Loan Program is used to help low-income individuals or households purchase homes in rural areas.

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

USDA’s Home Repair Program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings; to remove health and safety hazards; or to install a storm shelter.

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

The Weatherization Assistance Program provides housing improvements that increase energy efficiency in eligible single-or multi-family dwellings, including manufactured homes.

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

Lenders

Community Development Program (CDP)

The Community Development Program (CDP) is a special advance program that provides FHLBank members with wholesale loans (advances) priced below FHLBank’s regular advance rates to help finance qualifying commercial loans, farm loans and community and economic development initiatives in the areas they serve.

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)

The Community Housing Program (CHP) is a special advance program that provides FHLBank members with wholesale loans (advances) priced below FHLBank’s regular advance rates to help finance owner-and renter-occupied housing in their communities.

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.

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