First-Time Homebuyer's Grant Kansas | Heartland Credit Union

Homebuyer grants

Unlock financial assistance that makes your first home more affordable. Explore HCU grant options and see how much you could save.

Call us at 800.428.8472

Affordable paths to homeownership

Buying a home is a major milestone—but it doesn’t have to feel out of reach. HCU offers several grant programs to help homebuyers lower upfront costs, reduce their down payment, and move into a home sooner. Our team will help you find programs you qualify for and guide you through every step.

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Down payment help

Reduce the amount needed upfront with grant options that lighten the load.

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Closing cost support

Programs designed to ease expenses at closing so you can save where it matters most.

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Local expertise

Work with specialists who understand Kansas communities and available assistance programs.

Call us at 800.428.8472

First-time Homebuyer Grant

Income-eligible first-time homebuyers may qualify for a grant up to $15,000 to provide down payment or closing cost assistance, greatly reducing your out-of-pocket expense.

Grants for 2026 will be available beginning March 2, 2026
Limited to very low, low, and moderate household incomes
Grant recipients will take a free online homebuyer education course designed for first-time homebuyers to help you prepare for homeownership
Live in the house for at least 5 years and the grant will be fully forgivable
With approved credit for qualified buyers
Subsidies are limited

HOPE Grant

Income-eligible homebuyers may qualify for a grant of $5,000 to provide down payment or closing cost assistance, greatly reducing your out-of-pocket expense.

Grants for 2026 will be available beginning March 16, 2026
Household income must be at or below 115% of the Area Median Income
Not limited to first-time homebuyers
Live in the house for at least 5 years without refinancing and the grant will be fully forgivable
With approved credit for qualified buyers
Subsidies are limited