Housing Assistance for Low-Income in Kansas

Many people are finding it difficult to pay their rent/mortgage due to financial struggles. Fortunately, there are rental and housing assistance programs in Kansas to support you until you bounce back. The goal is to help low-income obtain quality and affordable housing in the surrounding community. For more information, please keep reading this article.

Tenant-Based Rental Assistance

Tenant-Based Rental Assistance Program works to support eligible low-income households with rent, security deposit, and utility bills. The primary source of funds for the program is Federal HOME who ensures that eligible persons get the financial support they need. Want to apply for the program? Contact the grantee for your county of residence to apply for assistance. The program funds enable qualified families to achieve stability and help them obtain quality and secure housing. Visit https://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants/ia for more information.

Kansas Housing Resources Corporation

The Kansas Housing Resource Corporation works to address the housing needs of the residents of Kansas. The Corporation administers essential programs that allow local communities to have sanitary, safe, and affordable housing they need. The programs include: Kansas Emergency Solutions Grant (ESG) The Emergency Solutions Grant works in partnership with a network of service providers to provide housing assistance to individuals and families facing homelessness or at risk of becoming homeless. The goal is to help engage the homeless along the streets, improve the condition and the number of shelters available for people facing homelessness, and provide essential services to the residents in those shelters. The program works to re-house homeless families, help them regain stability, and eliminate homelessness in Kansas. The program funds are used for street outreach. This involves, physically meeting individuals where they are at and providing essential services such as case management, transportation, and housing support services. The funds are also used to provide shelter, a service that ensures safety for the most vulnerable individuals. The program also provides rental assistance, security deposits, and help with utility payments. Find out more at https://kshousingcorp.org/homeless-services/emergency-solutions-grant/.

Weatherization Assistance

Weatherization assistance program ensures improved home energy efficiency and reduced utility bills. Eligible families receive a home energy audit, which determines inefficiencies and any concerns with health and safety. The program may make improvements by offering new cooling and heating equipment to those with inoperable tools at homes, adding insulation to the ceilings, walls, or floors, adding lighting, and sealing of air leakages. There are certified energy auditors who provide these services free of charge. Want to know if you are eligible for the Weatherization Assistance Program? Your income must not exceed the low-income limits in your area. Also, families or households that receive the TANF, SSI, LIHEAP are eligible for this assistance. The Department of Energy, Health, and Human Services and the local utility partners fund the activities of this program. Want to apply for the Weatherization Assistance Program? Well, why don’t you reach out to your region’s provider and find out? Please visit https://kshousingcorp.org/homeowners/weatherization-assistance/ for more information.

First Time Homebuyer Program

The First-Time Homebuyer Program provides down payment assistance to eligible individuals and families who want to purchase their first home. Who is eligible for this program? Lenders who are looking to assist home buyers are funded to assist eligible persons. Your income must meet the low-income requirements as guided by the HUD. You must also be a first-time homebuyer or have never been in ownership of any home for the past three years. You are required to at least contribute 2% of your funds towards the sale price. The program also allows qualified families or individuals to apply for 0% interest and forgivable loans if the buyer remains in the property for at least 10 years. The federal HOME funds finance this program to offer assistance to first-time homebuyers. Please visit https://kshousingcorp.org/homeowners/first-time-homebuyer/.

The HOME Rental Development Program

The purpose of this program is to help communities and developers improve the number of affordable rental housing in Kansas. The program works with the housing developers to address the most pressing housing issues and needs in the community. Have a look at the Community Housing Development Organizations (CHDOs) served by the program at https://kshousingcorp.org/community-housing-development-organizations/? The Federal HOME Investment Partnerships Program funds the HOME-RDP. Find out more at https://kshousingcorp.org/housing-partners/home-rental-development/.

National Housing Trust Fund

The National Housing Trust Fund works to help in improving the number of housing units affordable to the low-income individuals and families. The program finances developers to create more rental housing units for the eligible low-income individuals and households residing in Kansas. Want to apply? Remember, funds are awarded to developers on a competitive basis. Read the Housing Trust Fund Guidelines at https://kshousingcorp.org/wp-content/uploads/2020/01/2020-HTF-Guidelines.pdf. For more information, please visit https://kshousingcorp.org/housing-partners/housing-trust-fund/.

Moderate-Income Housing Program

The Moderate-Income Housing Program provides housing assistance to moderate-income families who are not eligible for federal benefits. The program awards loans to cities and counties, and the purpose is to develop multi-family rental units and single-family for-purchase homes in the State. To be eligible, ensure your community has not more than 60,000 population. We both know how the shortage of quality and affordable housing can have a long-lasting impact on rural communities. Lack of proper housing makes it difficult to attract and retain residents. For this reason, the Moderate-Income Housing Program work to provide safe and affordable housing to small communities in Kansas. Visit https://kshousingcorp.org/housing-partners/moderate-income-housing/ for more details about the program.

Kansas Legal Services

Kansas Legal Services is a non-profit law firm that support the qualified low income families by helping with legal proceedings concerning housing in Kansas. Can’t pay your mortgage and wondering when you’ll face foreclosure? Well, foreclosure cannot start when you are only 120 days behind your mortgage payment. This means that the legal proceedings can begin any time after the end of 120 days. The time varies among mortgage companies. If you facing difficulties in paying your mortgage, please reach out to your mortgage company and let them know about your financial situation. Work with your mortgage servicer to find out if there are options to help you avoid facing foreclosure. Ensure that you also contact Kansas Legal Services to get expert assistance on how to avoid foreclosure free of charge. You can apply online at https://www.kansaslegalservices.org/node/online-application or call the organization at 800-723-6953. For more information, please visit https://www.kansaslegalservices.org/node/2173/we-help-foreclosures.

USDA’s Single-Family Housing Repair Loans & Grants in Kansas

The purpose of this program is to help the eligible low-income homeowners modernize their homes and issue grants to the elderly homeowners to enable them to remove the health and safety hazards from their homes. to be eligible, you must prove ownership and occupy the house, demonstrate an inability to obtain credit from other facilities, and have an income not more than 50% of the area median income. For grants, you must be 62 years or older and ensure you are not in a position to pay back the grant. Visit https://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants/ks.

USDA’s Single-Family Housing Direct Home Loans in Kansas

The program supports low-income families by giving them direct loans. The goal is to enable qualified applicants in rural settings to have access to quality and affordable housing in Kansas. The purpose of the payment assistance is to improve the applicant’s repayment ability and to reduce monthly mortgage payments for eligible families. The amount of assistance you will receive depends on the size and income level of your family. You must demonstrate the need for a quality and affordable housing and demonstrate the inability to obtain loans from other money lending facilities. You must also agree to occupy the house as your primary residence. Find out more at https://www.rd.usda.gov/programs-services/single-family-housing-direct-home-loans/ks.

Kansas Section 8 Housing Program

Section 8 Housing is a rental assistance program designed to assist eligible low-income tenants to obtain quality housing in the private market. The program provides financial assistance by paying a part of your monthly rent. The qualified applicants can only use 30% or 40% of their income to pay rent and utility bills. Note that this rental assistance does not interfere with the landlord/tenant relationship. Instead, the program acts as a mediator to resolve conflicts occurring between landlords and tenants. Are you a landlord interested in renting your property to the participants of the section 8 program? You can have your contact information placed on the Prospective Landlord/Unit listing. Once your name appears in the waiting list, you will be briefed and issued a Housing Choice Voucher. In the voucher, the number of bedrooms and the timeframe to find the housing unit is clearly stated. Find out more at http://www.kckha.org/section-8.html.

Kansas Low-Income Home Energy Assistance Program (LIHEAP)

The Kansas LIHEAP helps eligible low-income individuals by covering a part of their energy and utility costs by offering one-time payment assistance. You must be the one responsible for paying the heating and cooling costs in your current residence to be eligible for payment assistance. Your annual household income must not exceed 130% of the area median income. The amount of LIHEAP payment assistance depends on the level of income, size of household, type of dwelling, and the type of heating fuel. Visit http://www.dcf.ks.gov/services/ees/Pages/EnergyAssistance.aspx.

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