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Government Home Loan Programs

Don’t let a tight budget stand in the way of your dream of home ownership.

key in lock with house-shaped keychain

Government Loan Options

Federal Housing Administration (FHA) 203B Loan

For first-time homebuyers or those with recently repaired credit.

  • 3.5% down payment.
  • Flexible credit requirements.
  • Sellers may pay up to 6% closing costs.
  • Available for metro-area properties, including Kansas City, Wichita, and Topeka.

VA Home Loan

For Active Duty and Honorably Discharged veterans.

  • No down payment or mortgage interest required (provided the veteran is income and credit-qualified and the purchase price is less than or equal to the reasonable value of the property).
  • Negotiable interest rate. 
  • No mortgage insurance required
  • Buyer informed of property’s reasonable value.
  • Comparable closing costs with other financing types. 
  • Gifts and seller contributions accepted toward closing costs.
  • Right to prepay without penalty.
  • Assistance to veteran home buyers in default due to temporary financial difficulty.

USDA Rural Housing

For low-income home buyers.

  • 100% financing.
  • Competitive fixed rates.
  • Sellers may pay up to 6% closing costs.
  • No application fee.