Closing costs in Kansas usually range from 2% to 5% of the home’s purchase price. These costs may include fees for appraisals, inspections, title insurance, and lender charges. Your loan officer can give you a personalized estimate based on your purchase.

For example, on a $300,000 home, buyers can expect to pay between $6,000 and $15,000 in closing costs. 

The most common loans among Kansas buyers are:

• Conventional Loans – Flexible terms with competitive interest rates. Often preferred by buyers with strong credit and larger down payments, though options with as little as 3% down are available.

• FHA Loans – Backed by the Federal Housing Administration, these are popular with first-time buyers. They allow lower credit scores and down payments starting at 3.5%.

• VA Loans – Available to eligible veterans, active-duty service members, and surviving spouses. VA loans require no down payment and no private mortgage insurance (PMI).

• USDA Loans – Designed for qualifying buyers in rural and suburban areas. These loans also offer no down payment and reduced mortgage insurance costs.

• KansasDPA Program – The Kansas Down Payment Assistance Program (KansasDPA) helps both first-time and repeat home buyers statewide with a non-repayable grant for down payment and closing costs. The program offers 30-year fixed-rate loans (FHA, VA, USDA, or Conventional) with no borrower investment required, flexible income limits, and Charter Level Mortgage Insurance options for qualifying conventional buyers.

Kansas’s public schools perform at a strong level overall, with several districts consistently recognized for academic excellence, student achievement, and college readiness.

• Top-rated districts include Blue Valley School District and Andover Public Schools, both of which frequently rank among the best in the state.

• Notable schools such as Corinth Elementary School and Cottonwood Point Elementary School stand out for strong math and reading proficiency scores.

• The Kansas State Department of Education tracks school and district performance through its Building Report Card system, which measures academic achievement, growth, and readiness indicators.

For complete school and district data—including test scores, graduation rates, and accountability metrics—visit the Kansas School Report Card.