The "Rent-no-more" loan
The Home-At-Last loan program is specially designed to meet the needs of low- to moderate-income homebuyers. We offer several financing options to fit your budget. If you qualify, there are no minimum loan amounts, you need very little down and you receive quick loan decisions. Plus, you'll always get the personal service that's a True Blue® tradition at Capitol Federal®. Additional program requirements apply.
- Low down payment, and reduced closing costs may apply
- No origination or discount fees
- May be able to use gifts or grants to cover closing costs
- For single-family homes, occupied as a family’s primary residence
- Home must be located within one of Capitol Federal’s designated local communities
We believe there's more to owning a home than securing a loan. That's why we support homebuyer education programs for our loan customers. Home-At-Last borrowers are required to participate in these very helpful home ownership and personal finance counseling programs. The programs are offered by recognized community organizations.
Restrictions apply to these programs, and they are subject to change without notice.Learn More
keep me informed of loan rates
Sign up to receive bi-weekly rate update emails and learn more about Capitol Federal® home loan products. These short emails are the perfect way to monitor mortgage interest rates at Capitol Federal.Sign Up
Learn more about how a conventional fixed-rate mortgage could offer you lower monthly payments, plus the security of knowing your interest rate will stay the same.Learn More
Determine your ability to buy the home you want with our home affordability mortgage calculator. It’s free and easy to use. Try it today!