Home-At-Last Lending

Home-At-Last Lending - Lending for low- to moderate-income homebuyers. CalculatorsCapitol Federal's Home-At-Last Loan Program - lending for low- to moderate-income home buyersCapitol Federal's Home-At-Last Loan Program - lending for low- to moderate-income home buyers

Our Home-At-Last loan program is specially designed to meet the needs of low- to moderate-income home buyers. 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.

More Benefits

It may be possible to use gifts or grants to cover closing costs.  Contact us to learn more about housing assistance programs in your area.

Reduced closing costs for qualified borrowers.


What Can I Buy or Refinance?

Home-At-Last loans apply only to single-family homes that will be occupied as a family's primary residence. The home must be located within one of Capitol Federal's designated local communities.


Home Buyer Education

We believe there's more to owning a home than securing a loan. That's why we support home buyer 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 or in a counseling session arranged by Capitol Federal.
Learn More.


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