Home Loan Grants Are Available!


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Submit your application online in as little as 20 minutes! If you have additional questions before applying, please call us at 800-463-7782.

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Find a Lender



First State Bank & Trust participates in the Homeownership Set-Aside Program (HSP) that offers up to $15,000 in down payment and closing cost assistance to first-time homebuyers!

Who is considered a first-time homebuyer?

At least one household member (not a minor child) who does not own or is not an investor in another residence and who wishes to purchase a home that will be his/her primary residence. Candidates also qualify if they have not had ownership in a residence during the prior three-year period.

How much is the HSP grant?

The grant amount is $15,000 per household for properties located in Kansas. The grant does not require repayment if you own the home for five years. Completion of an online homebuyer course is required prior to loan closing. Household income limits apply to qualify for the grant. Contact us today for more details.

Income Limits

County 1-4 person household Income limit 5+ person household income limit
Johnson, Leavenworth, Linn, Miami & Wyandotte $82,000 $108,250
Douglas $75,700 $99,900
Jefferson & Other Counties $69,700 $92,000

Grant funds are limited.

Equal Housing Lender, Member FDIC

What are the next steps?

Apply online today and get Pre-Approved!
If you've already applied for a home loan with another lender that isn't participating in the HSP program, apply at First State Bank & Trust to determine your eligibility to receive this $15,000 grant!

Apply Online

Meet our Lenders

Click on the name of the Loan Officer you want to work with for contact information. You can also visit their personalized web site where you can complete a secure online application. You may also contact our Loan Officers by phone or e-mail.

People - Debbie K (New)

Debbie Krivjansky 


People - Nancy M

Nancy McDougal 


People - Chad O


Chad Oehlert 


People - Jessica W

Jessica Wollesen 

Click on a location below to view the team directory. 

Basehor Team
Tonganoxie Team
Legends Team
Lawrence – Monterey Way Team
Lawrence – Vermont Street Team
Perry Team
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