If you’ve been waiting to buy a home because you thought you needed a large down payment, there’s great news. A new 0% down conventional loan program is making homeownership more accessible than ever for qualified first-time buyers in the Kansas City metro.

This program is ideal for buyers with solid credit who have some savings but may not want — or be able — to put 3–5% down on a home.

Let’s break down how it works and who qualifies.

👤 Who Qualifies as a First-Time Homebuyer?

You may qualify even if you’ve owned a home before.

According to Fannie Mae guidelines, a first-time homebuyer is anyone who has not owned a home in the past 3 years.
That means if you previously owned but haven’t had property ownership in the last 36+ months, you can still be considered a first-time buyer and take advantage of this program.

Basic eligibility:

• 680+ credit score

• First-time buyer (no home ownership in last 3 years)

• Some savings and financial stability

💰 100% Financing – No Down Payment Required

This program allows qualified buyers to finance 100% of the purchase price of the home.

That means:

• No down payment required

• No grant or down payment assistance program involved

• No second lien attached to your home

Compared to traditional loans requiring 3–5% down, this can save buyers thousands of dollars upfront.

Closing Costs

Buyers are still responsible for closing costs, but there are options:

• Sellers can contribute up to 3% of the purchase price

• Buyers can receive gift funds from immediate family

• Buyer must contribute at least $500 of their own funds (typically covers appraisal)

💼 Reserve Requirements

To ensure financial stability, buyers must have:

• 2 months of mortgage payment reserves

• Funds can be in checking, savings, retirement, or investment accounts

• Funds do NOT need to be liquidated

This simply shows the buyer can comfortably afford homeownership.

🚫 No Income Limits

One of the biggest advantages of this program is:

There are NO income limits.

Many traditional first-time buyer or grant programs restrict eligibility based on income. This program allows higher-income buyers to qualify without those limitations.

Click Here to See All Home For Sale In Kansas City

📍 Available Across the Kansas City Metro

This program is available throughout the Kansas City area in both Missouri and Kansas.

Missouri counties:

• Jackson

• Clay

• Platte

• Ray

• Cass

Kansas counties:

• Johnson

• Wyandotte

• Leavenworth

• Douglas

• Miami

• Shawnee

• Jefferson

If you’re buying anywhere in the KC metro, there’s a strong chance this program can work for you.

📊 How It Compares to Other Loan Options

vs. 3% Down Conventional Loan

Monthly payments are often very similar, but:

• You save the entire 3% down payment upfront

• Keep more cash in your pocket

vs. MHDC/Down Payment Assistance Programs

This program offers key advantages:

• No income limits

• Available in Kansas & Missouri

• No second lien on the property

• No waiting 5–10 years for assistance to forgive

It’s a cleaner, simpler path to homeownership.

🎯 Who This Program Is Perfect For

This loan is ideal for buyers who:

• Have good credit (680+)

• Have some savings but not a full down payment

• Prefer to keep cash reserves instead of using for down payment

• Want to buy now rather than wait years to save

For many Kansas City buyers, this is one of the best opportunities to enter the market without draining savings.

📞 Want to See If You Qualify?

Click Here to Apply for the Zero Down Payment Loan

If you’re thinking about buying in the next 3–12 months, the first step is a quick consultation and pre-approval review.

We can help you:

• Determine eligibility

• Estimate monthly payments

• Review credit

• Create a step-by-step buying plan

Reach out today to see if this 0% down program can help you become a homeowner in 2026.