Parent-Child Loan Program

Family Means Everything. COmpetitive Rates and Terms. 

A Capitol Federal® Parent-Child loan is for individuals who have a parent, or a child, that may not be able to qualify for a mortgage loan on their own. This loan offers down payments as low as 25% and offers competitive rates compared to investment property loans. With the help of a parent or child, the dream of becoming a homeowner is achievable. Family helping family, it’s what we do at CapFed®.

Parent-Child Loan Program Highlights:

  • Competitive rates and terms as compared to investment property loans.
  • As low as 25% down payment.
  • Up to 30-year loan terms.
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Convenient Automatic Payment Option

With Capitol Federal's Automatic Payment Option, we handle all the details of paying your mortgage after you enroll…and this service is provided to you at no cost. Authorize deduction from a checking or savings account and determine the transfer date: 1st, 5th, 10th, 15th, 20th or 25th of each month.*

To start your Automatic Payment Option, simply complete the Automatic Payment Option Agreement Form** (PDF), sign and return the form, together with a check marked "void", to:


Capitol Federal
Attention: Loan Service Department
700 S Kansas Avenue
Topeka, KS 66603

If you prefer, you may fax the completed form to CapFed at 785-270-6024 or send via encrypted email to loanservicing@capfed.com


Once registered, make a notation in your account register - or confirm the transaction through True Blue Online® banking. It's perfect! No checks to write, no postage to pay and no forgotten payments or checks lost in the mail. Under Capitol Federal's Automatic Payment Option, customers may make additional principal payments to their loan.

*Mortgage Loans and Consumer Loans are available on these dates; although for Consumer Loans, if the Automatic Payment Option payment date is later than the loan payment due date, additional finance charges may be incurred. Execuline transfer date available only on 10th of each month. All transfers are processed only on regular business days. Should the transfer date fall on a weekend or federal holiday, the transfer will be processed on the next business day. If the mortgage or loan payment amount changes, the customer will be notified in advance of the change.

**One agreement form is required for each loan.


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Complete a CapFed® mortgage application online.

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rick jackson, chief lending officer, discusses the current housing market

Executive Vice President Rick Jackson, CLO, shares his thoughts on housing prices, demand, Capitol Federal's local loan servicing and why this is a great year to buy a house.

Check back often to learn more about the economy, finances, housing and our True Blue® traditions by watching our CapFed® series of videos, here on capfed.com. These short snippets of video will provide insights to help you make more informed decisions as you make your way through 2016 and beyond. Both our Executive Team and our employees will be featured, telling you what you need to know and what's to come. We are excited to share what it means to be True Blue. 

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