NCK Home Ownership Program

The NCK Home Ownership Program offers financial incentives to make home ownership more affordable for current and future residents. The program is available in the following counties:

  • Cloud County – Funds currently depleted. Check back 9/1/19 for status update.
  • Ellsworth County
  • Lincoln County
  • Mitchell County – Funds currently depleted. Check back 9/1/19 for status update.

NCK Home Ownership Program FlyerProgram Eligibility

  • Home price of $50,000 or greater in an eligible county.
  • Borrower must meet bank qualifications for its loan.
  • Borrower must have 700+ credit score from national credit bureau source.
  • Home ownership education will be required for first time homebuyers.
  • Primary loan with a bank that has a physical location in the North Central Regional Planning Commission (NCRPC) 12-county primary service area in North Central Kansas. Click here for a service area map.
  • Limited funds available on a first come, first serve basis.

The program provides $12,000 in down payment and closing cost assistance through a combination of a fixed rate 0% down payment assistance loan of $10,000 and closing cost grant of $2,000.

Click here for a flyer with more information about the program.

Program Benefits

Let our program help make your home ownership dreams a reality. Potential benefits include:

  • Providing an opportunity for alumni to return to North Central Kansas and enjoy the convenience of living closer to friends and family.
  • Making home ownership more affordable.
  • Potentially reducing time/expense commuting to work.
  • Being a catalyst for someone to buy their first home.
  • Assisting employers in recruiting/retaining quality employees by helping them becoming more invested in their community and staking roots through home ownership.


To get started, contact your local bank located in the NCRPC 12-county service area. For more information, call the NCPRC at 785-738-2218 to contact one of the following:

Debra Peters, Home Ownership Program Manager –
Keegan Bailey, Program Coordinator –