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
• 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. 

Homebuyer Education

Restrictions apply to these programs, and they are subject to change without notice.

Homebuyers Seminar

The Johnson County Community College (JCCC) presents home buyer education programs to those buying a home for the first time. This is a low-cost Community Home Buyers Seminar. For seminar dates and reservations, please call 913-469-2323 (JCCC).

Homebuyer Workshop and Credit Repair Clinic

Housing and Credit Counseling Inc. of Topeka offers a free Homebuyer 101 Workshop and a free Credit Repair Clinic, providing information to help the first-time homebuyer.

Capitol Federal is a sponsor of the Homebuyer 101 Workshop and the Credit Repair Clinic. The workshop and clinic meet all requirements for Capitol Federal's Home-At-Last program, FNMA, FHLMC and other state and local special programs. For seminar dates and reservations, please call 785-234-0217 (HCCI).