Kansas Local Assistance Programs Checklist
A comprehensive checklist for homebuyers applying for Kansas Local Assistance Programs in 2025.
Verify Your Eligibility
- Check that your household income falls within the program’s limits, which vary depending on family size and county.
- Ensure that your credit score meets the minimum program requirement, typically 640 or higher, though specific programs may have additional criteria set by your assigned Loan Officer.
- Verify that the property you intend to purchase is within the program’s price cap and will be your primary residence.
- Review any additional requirements, such as first-time homebuyer status or purchasing in designated areas.
Prepare Required Documentation
- Provide proof of income, such as recent pay stubs, W-2 forms, or documentation for other income sources like self-employment.
- Compile your federal tax returns for the last two years, including all schedules and supporting documents.
- Collect bank statements from the past two to three months for all financial accounts.
- Gather property details, such as the address, signed purchase agreement, and sale price.
- Submit any additional documentation requested by your Loan Officer, including verification of assets, debts, or liabilities.
Coordinate with Your Assigned Loan Officer
- A Loan Officer will be assigned to guide you through the Kansas Local Assistance Programs application process.
- Schedule an initial meeting or call with your Loan Officer to review program eligibility and document requirements.
- Discuss any questions you have about the program, including specific steps and timelines.
- Follow your Loan Officer’s instructions to gather and submit all required documentation in a timely manner.
Complete Your Application
- Work closely with your Loan Officer to complete your application for the Kansas Local Assistance Programs.
- Provide all necessary documents to establish your eligibility for down payment or closing cost assistance.
- Review your application with your Loan Officer to ensure accuracy and completeness before submission.
- Attend any mandatory homebuyer education courses required by the program.
Finalize Your Enrollment
- Sign all required agreements and documents provided by your Loan Officer to confirm your enrollment in the program.
- Prepare for any costs not covered by the program, such as additional closing fees or prepaid items.
- Receive confirmation of your enrollment and details on how the assistance will be applied to your home purchase.
Maintain Program Compliance
- Ensure the property remains your primary residence for the duration required by the program.
- Inform your Loan Officer immediately if you plan to sell, refinance, or make changes to your mortgage, as this may affect your assistance benefits.
- Stay informed of any updates or changes to program requirements to maintain compliance and retain your assistance benefits.