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 November 2026

Kansas ranking

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

#	City	Est. typical down payment	Score
1	Fort Riley	$16,800	90	View →
2	Parsons	$17,400	90	View →
3	Coffeyville	$17,300	90	View →
4	Fort Scott	$17,300	90	View →
5	Iola	$17,200	90	View →
6	Chanute	$17,900	89	View →
7	Emporia	$19,100	88	View →
8	Pittsburg	$18,600	88	View →
9	Arkansas City	$18,500	88	View →
10	Manhattan	$19,900	87	View →
11	Kansas City	$20,800	86	View →
12	Hays	$20,200	86	View →
13	Liberal	$20,800	86	View →
14	Newton	$20,900	86	View →
15	El Dorado	$20,800	86	View →
16	Ottawa	$20,900	86	View →
17	Winfield	$20,500	86	View →
18	Atchison	$20,300	86	View →
19	Independence	$20,500	86	View →
20	Wellington	$20,200	86	View →
21	Augusta	$21,400	85	View →
22	Abilene	$21,800	85	View →
23	Hutchinson	$22,400	84	View →
24	Junction City	$22,600	84	View →
25	Great Bend	$22,700	84	View →
26	Haysville	$22,100	84	View →
27	Pratt	$22,300	84	View →
28	Salina	$23,600	83	View →
29	Dodge City	$22,900	83	View →
30	Topeka	$24,500	82	View →
31	Garden City	$24,400	82	View →
32	Leavenworth	$25,300	81	View →
33	Wamego	$25,400	81	View →
34	Lawrence	$25,800	80	View →
35	Mcpherson	$25,700	80	View →
36	Paola	$25,700	80	View →
37	Ulysses	$26,400	80	View →
38	Gardner	$26,500	79	View →
39	Bonner Springs	$27,700	78	View →
40	Tonganoxie	$27,600	78	View →
41	Valley Center	$27,400	78	View →
42	Mulvane	$28,000	78	View →
43	Eudora	$28,800	77	View →
44	Louisburg	$29,500	76	View →
45	Derby	$30,100	75	View →
46	Lansing	$31,400	74	View →
47	Spring Hill	$31,000	74	View →
48	Goddard	$31,700	74	View →
49	Wichita	$31,900	73	View →
50	Andover	$32,500	73	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%.