Down Payment and Closing Cost Assistance Programs

CHWC offers the following programs to make homeownership more accessible to homebuyers and help them reduce the amount they have to save for downpayment or closing cost at the moment of buying a home.

Available programs are:

Capitol Federal Closing Cost Assistance

For homes located in a Low Income Census Tract. A maximum grant of $1,500 can be applied to closing costs. Some other restrictions apply.​​​

Use this link to learn in which census track your property is located.

Federal Home Loan Bank Down Payment Assistance

We have two different grants available:

Up to $8,000 AHP Grant

Up to $8,000 AHP Grant

Income: The total household must be equal to or below 80% AMI

  • 1-5 people = $ 73,600
  • 6+ people = $ 74,240

Purchase Property:

  • Donated property

Other qualifications: Households consisting of one or more residents who are

  • Elderly (55 years or older)
  • Mentally or physically disabled
  • Recovering from physical, alcohol or drug abuse
  • Living with HIV/AIDS


CHWC is proud to partner with the Unified Government's HOME program to build a limited number of homes for sale that come with up to 20% in downpayment assistance. This program is available for income qualified families interested in buying select CHWC-built homes.

Buyer will need to take CHWC’s homebuyer education class. We ask that you apply once you have received a pre-approval letter from lender and have put a contract on a house (tentative closing date).

The process takes at least 45 business days to complete, so be sure to apply as far in advance of your closing date.

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