Home at Last

Home-At-Last Loan

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.

Home-at-Last Highlights:

  • 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

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Complete a CapFed® mortgage application online.

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Contact a local mortgage consultant to help you.

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homebuyer education

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.

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No Surprises with Fixed Rates

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.

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How much home can you afford?

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!

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Mortgage Help Center

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