Get Up To
$21,000 down payment assistance
To reduce the cost of buying your home, you can apply for a down payment grant from Build WyCo offered through the Federal Home Loan Bank's Affordable Homeownership Program (AHP). Learn More >
Do you qualify?*
To qualify for AHP Down Payment Assistance, you must meet all the requirements in one of the boxes:
*The amount you are approved for will be determined during your pre-qualification appointment depending on household and property circumstances.
The total income of every person in your household combined is 50% of AMI or less.
The total income of every person in your household combined is 60% of AMI or less (How much is that?) and at least one person in your household has special needs:
- Older adult (55 years+), or
- Mentally or physically disabled, or
- Recovering from physical, alcohol or drug abuse, or
- Living with HIV/AIDS.
The home you've selected is built on a donated lot, and the total income of every person in your household combined is 60% of AMI or less.
| 60% or Less Income Limits | ||
|---|---|---|
| Household Size | Income Limit* | |
| 1-4 People, 60% AMI | $66,834 | |
| 5-8 People, 60% AMI | $88,250 | |
*Based on the 2025 FHLB of Topeka Area Median Income (AMI) Limits for Wyandotte County. Subject to change.
| 50% or Less Income Limits | ||
|---|---|---|
| Household Size | Income Limit* | |
| 1-4 People, 50% AMI | $55,700 | |
| 5-8 People, 50% AMI | $73,550 | |
*Based on the 2025 FHLB of Topeka Area Median Income (AMI) Limits for Wyandotte County. Subject to change.
Important to Know
-
5-Year Agreement
After buying your home with a down payment assistance grant, you must live in the home for five years, or if you decide to sell the home, you will have to pay back your grant.
-
Title Company Options
You will need to work with one of our partner title companies:
Continental Title
- Molly VonAhn
- Licensed in Kansas and Missouri
- Able to close homes bought through Community Land Trust (CLT)
2100 Hutton Rd, Ste. 101, Kansas City, KS 66109
Direct: 913.338.3410
- Mobile: 913.274.5479
- Platinum Title
- Tiffanie Stark
- Able to close homes bought through Community Land Trust (CLT)
- 4400 College Blvd, Ste 100 Overland Park, KS 66211
- Prime Title
- Able to close KS & MO properties
- Speaks Spanish
- Raul Rodriguez
- 6000 Leavenworth Rd Suite N KCK 66104
-
Homebuyer Education
You will need to take Build WyCo's homebuyer education class before closing on your home. This will also help you to be prepared for homeownership.
-
For Loan Officers
If you're a loan officer, please check out our Tips for Lenders info sheet.
Here's how it works...
Begin Your Application Process
- Fill out the request form.
- Gather your supporting documents.
- Make an appointment with our counseling team to bring in your supporting documents. Plan to bring with you to the appointment every person in your household who is both earning income for your household and 18 or older.
- Questions? Need to make an appointment? Contact our team.
Review & Approval
Build WyCo will review your request form and documentation and make a decision. This will take us at least three (3) weeks.
The amount you are approved for will be determined during your pre-qualification appointment depending on household and property circumstances.
Get Started NowFinal Steps to Closing
If you are approved, congratulations! Here's what happens next.
- Take Build WyCo's home buyer education class. Your down payment assistance grant will cover your class fee.
- Work with your lender, Build WyCo, and one of our partner title companies to get all your closing documents completed.
- Close on your home!
Other Options for You
If you don't get approved for a Down Payment Assistance grant, Build WyCo may have other options to make buying a home more affordable for you.
You can always contact us to explore your options.
Ready to apply?
TIP: If you'd rather fill out a printed form, you can contact our team to request a paper copy of the request form.
Get started by filling out the request form and gathering your documents. You'll need:
To verify whether you qualify, by reading the applicant qualifications above.
- Copies of government-approved IDs for every member of your household.
- A copy of your (borrower's) social security card or ITIN.
- 2 full/complete months of the most recent (not more than 30 days old) paycheck stubs (must show year to date paid and employer) for all working household members 18 or older.
- Proof of your monthly household income, including any disability payments you receive, such as your pay stubs or Social Security benefit statement.
- Filed income tax returns and W-2 for all working household members for the past 2 years.
- A signed copy of Build WyCo's certification of applicants.
- Build WyCo's intake packet.
- An email address. (Tip: You can get a free email address at gmail.com!)
There are a few more documents Build WyCo may ask you to sign that we will provide when you come to our office.
Build WyCo promises to never share your information with anyone, and we will only use it to help you get the Down Payment Assistance grant.
We have answers to your questions!
Some of the most common questions people have about the AHP Down Payment Assistance Grant are listed below, along with our answers. If you have a question not listed here, you can contact us.
You should apply after you have received a pre-approval letter from your lender and have an approximate closing date.
We recommend that you complete your application process at least 30 days before your scheduled closing date, and complete your approval within 90 days of your closing date.
Remember, filling out a request form doesn't mean you will be approved for a grant, but is just the first step in the application process.
You can get started by filling out the request form.
Make sure to collect all the required documentation.
Then, schedule an appointment to bring in your supporting documentation and meet with a counselor. The counselor will help determine if you are qualified.
Please remember that your application process cannot be completed without the supporting documentation. Completing the application process doesn't guarantee that you will be approved for a grant.
No, before we can begin processing your application, Build WyCo needs a loan estimate from your lender.
If you haven't yet started the process of buying a home, we offer support and guidance to get you started. Call us at 913.342.7580 and dial 9 to get started.
No, you will need to have your home of choice selected before you can start the application process.
Not sure where to start? Build WyCo offers support and guidance on your homebuying journey. Call us at 913.342.7580 and dial 9 to get started.
The application process takes at least 2 weeks and up to 3 weeks once you have met with our housing counselor. Read the full how-to.
We ask that you apply once you have received a pre-approval letter and have an approximate closing date.
You must submit a completed application no later than 30 days before your scheduled closing date, and your approval must be within 90 days of your closing date.
We recommend submitting a completed application as close to 30 days prior to closing as possible. Filling out an application does not guarantee grant approval.
Yes. You are required to meet with our housing counselor for your pre-approval qualification. Bring your completed request form and supporting documents.
To avoid delaying your application process, please make sure you have all of the documents needed!
Request an appointment here to get started.
Below is a list of the requested documents, see the application packet for a full list.
Needed Documents:
- A copy of each household member government approved ID
- A copy of borrower(s) social security card or ITIN
- A copy of Income qualifying documents
- 2 full/complete month of the most recent (not more than 30 days old) paycheck stubs (must show year to date paid and employer) for all working household members 18 or older;
- Proofs of income Social Security, Pensions, Child Support/Alimony, Student grant payment (if applicable).
- Filed income tax returns and W-2 for all working household members for the past 2 years
- Signed Build WyCo’s certification of Applicants
- Build WyCo’s intake packet
- Verification of employment FHLB form (ONLY 1-4 items) (if applicable Build WyCo provides)
- Zero income form for non-income earners 18 & older (if applicable Build WyCo provides)
- Real Estate Retention Agreement (RERA) (We will provide form during appointment)
No, your home of choice does not have to be in Wyandotte County.
However, if your home is in Wyandotte County, we may be able to prioritize your application.
No, but if you do set up an appointment to pick up your application, you may not have to wait as long to pick up your application.
No, completing the application process does not guarantee that you will be approved for Down Payment Assistance. You will only be approved if we determine that you qualify.
Yes, it is great news that you are already ready to close on your home! However, if your closing date is coming up soon, you might have to postpone it. The review, approval, and closing process can take up to 3 weeks from the time you have met with a counselor and submitted your documents.
Please apply once you have received a pre-approval letter and have an approximate closing date. Complete your application process no more than 30 days before your scheduled closing date. Your approval must be within 90 days of your closing date.
We recommend completing your application process as close to 30 days prior to closing as possible. Completing the application process does not guarantee grant approval.
Yes! AHP Down Payment Assistance stacks with other types of down payment and closing cost assistance, as long as there isn’t cash back to the homebuyer.
We suggest checking with your lender about if their programs will allow other financial assistance programs.
If you decide to sell your home 5 years or less after you buy it, you will have to pay back your Down Payment Assistance grant. This grant requires homebuyers to sign a 5-year real estate retention agreement at closing.
No, any lender can participate in this program. We recommend sharing our Tips for Lenders info sheet with your loan officer to facilitate the process!
FHLB member bank
