Home » AHP Down Payment Assistance

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.

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The total income of every person in your household combined is 50% of AMI or less.

How much is that?

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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.
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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.

How much is that?

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.

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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:

    • Platinum Title
    • Prime Title
      • Able to close KS & MO properties. Speaks Spanish
    • Secured Title
      • Able to close KS & MO properties.
      • Jamie Carey
      • 13661 S Mur-Len Rd, Olathe, KS 66062
      • Direct: 913.535.5285
      • Fax: 913.788.5027
  • 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.
Get Started Now

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 Now

Final 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!
Get Started Now

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.

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woman working on a computer

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.

How can we help you? 

Have you read the how-to and FAQ and still have questions? Here you can submit a question or schedule an appointment.

customer service specialist

Yesenia Valenzuela, Customer Service & Data Supervisor

Languages: English & Spanish

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.

When should I apply?
How should I apply?
Can I apply if I don't have a lender?
Can I apply if I do not have a house picked out?
How long does it take to get approval for the FHLB Downpayment Assistance grant?
Do I have to meet with a housing counselor? Is it required?
What are the supporting documents?
Do I have to buy a house in Wyandotte County?
Do I need an appointment to pick up a paper application?
If I fill out a request form and complete the application process, will I be approved?
If I'm already going to close on a home, can I apply?
If my lender has other down payment and closing cost assistance programs, can I still apply for AHP Down Payment Assistance?
If I decided to sell my house after 1 year of living there, what would happen?
Does my lender have to be part of FHLB?
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FHLB member bank

Federal Home Loan Bank of Topeka