Why does down payment vary across Kansas?

Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.

Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.

Can I find lower-down options?

Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.

Buyer authority KS

Estimated owner-finance down payment by city in Kansas.

Down payments scale with home prices but flex by financing type. This ranks Kansas cities by an estimated typical down payment on an owner-financed or low-down deal (12% of estimated median home value). This is a modeled directional comparison, not a survey of actual closings.

Last updated September 2026

Kansas ranking

50 cities ranked. Click any row for the matching local page.

#	City	Est. typical down payment	Score
1	Leawood	$45,000	59	View →
2	Overland Park	$39,600	65	View →
3	Stilwell	$39,400	65	View →
4	Olathe	$37,200	68	View →
5	Shawnee	$35,500	69	View →
6	Lenexa	$36,200	69	View →
7	Prairie Village	$35,900	69	View →
8	Mission	$32,900	72	View →
9	Wichita	$31,900	73	View →
10	Andover	$32,500	73	View →
11	Lansing	$31,400	74	View →
12	Spring Hill	$31,000	74	View →
13	Goddard	$31,700	74	View →
14	Derby	$30,100	75	View →
15	Louisburg	$29,500	76	View →
16	Eudora	$28,800	77	View →
17	Bonner Springs	$27,700	78	View →
18	Tonganoxie	$27,600	78	View →
19	Valley Center	$27,400	78	View →
20	Mulvane	$28,000	78	View →
21	Gardner	$26,500	79	View →
22	Lawrence	$25,800	80	View →
23	Mcpherson	$25,700	80	View →
24	Paola	$25,700	80	View →
25	Ulysses	$26,400	80	View →
26	Leavenworth	$25,300	81	View →
27	Wamego	$25,400	81	View →
28	Topeka	$24,500	82	View →
29	Garden City	$24,400	82	View →
30	Salina	$23,600	83	View →
31	Dodge City	$22,900	83	View →
32	Hutchinson	$22,400	84	View →
33	Junction City	$22,600	84	View →
34	Great Bend	$22,700	84	View →
35	Haysville	$22,100	84	View →
36	Pratt	$22,300	84	View →
37	Augusta	$21,400	85	View →
38	Abilene	$21,800	85	View →
39	Kansas City	$20,800	86	View →
40	Hays	$20,200	86	View →
41	Liberal	$20,800	86	View →
42	Newton	$20,900	86	View →
43	El Dorado	$20,800	86	View →
44	Ottawa	$20,900	86	View →
45	Winfield	$20,500	86	View →
46	Atchison	$20,300	86	View →
47	Independence	$20,500	86	View →
48	Wellington	$20,200	86	View →
49	Manhattan	$19,900	87	View →
50	Emporia	$19,100	88	View →

Methodology

Estimated down = 12% of estimated median home value (representative of owner-financed and low-down deals). Conventional loans typically require 20%; FHA can be 3.5%. Use as a directional comparison.

FAQ

Why does down payment vary across Kansas?: Home prices vary widely; a 12% down payment scales with the local median. Owner financing often accepts less.
Is 12% realistic?: Yes, owner-finance deals commonly land in the 10-20% range. Conventional underwriting usually wants 20% to avoid PMI.
Can I find lower-down options?: Browse low-down-payment homes by city, many owner-finance and lease-option deals sit under 10%.