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KC Dream Home Program

increases homebuyer mortgage assistance limits

The City of Kansas City, Mo., Neighborhoods and Housing Services Department is now accepting applications from first-time homebuyers for the KC Dream Home Program. On Aug. 1, the maximum mortgage assistance amount increased in secondary target areas to $20,000 and citywide to $10,000.

This program helps low- to moderate-income first-time homebuyers and displaced homemakers purchase a home of their choice within City limits.

Assistance is provided in the form of a second mortgage loan at 0 percent interest; this second mortgage is later forgiven after a period of time. The loan amount varies by neighborhood and ranges from the lesser of 20 percent of the purchase price or $20,000 in primary and secondary target areas and the lesser of 10 percent of the purchase price or $10,000 in other areas of the City of Kansas City, Mo. No monthly payments are required. The City provides funds for this program through the U.S. Housing and Urban Developmentā€™s Home Investment Partnership Act program.

Applicants must meet income eligibility requirements, homeowner eligibility requirements and purchase a home that meets program requirements. Household incomes may not exceed the following:

One person $39,900

Two people $45,600

Three people $51,300

Four people $56,950

Five people $61,550

Six people $66,100

The sale price of the home must not exceed $150,000 and the purchase price must not exceed the appraised value.

Interested persons should contact one of the participating lenders to apply for the program. Participating lenders and other program information can be viewed at


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