Home-At-Last Loan

Ready to be done renting and own your house? Capitol Federal® has a loan that is perfect for making that a possibility.
Contact A Local Loan Professional See Rates

The "Rent-No-More" Loan

The Home-At-Last loan program is specially designed to meet the needs of low- to moderate-income homebuyers. 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.

Home-at-Last Highlights:

  • Low down payment, and reduced closing costs may apply
  • May be able to use gifts or grants to cover closing costs
  • For single-family homes, occupied as a family’s primary residence
  • Home must be located within one of Capitol Federal’s designated local communities

We believe there's more to owning a home than securing a loan. That's why we support homebuyer 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. 

Homebuyer Education

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

Homebuyers Seminar

The Johnson County Community College (JCCC) presents home buyer education programs to those buying a home for the first time. This is a low-cost Community Home Buyers Seminar. For seminar dates and reservations, please call 913-469-2323 (JCCC).

Homebuyer Workshop and Credit Repair Clinic

Housing and Credit Counseling Inc. of Topeka offers a free Homebuyer 101 Workshop and a free Credit Repair Clinic, providing information to help the first-time homebuyer.

Capitol Federal is a sponsor of the Homebuyer 101 Workshop and the Credit Repair Clinic. The workshop and clinic meet all requirements for Capitol Federal's Home-At-Last program, FNMA, FHLMC and other state and local special programs. For seminar dates and reservations, please call 785-234-0217 (HCCI).

Mortgage Help Center

Get answers to your mortgage questions and learn more about the home loan process. Plus, determine your ability to buy the home you want with our home mortgage calculators.

Visit Mortgage Help Center Contact a Loan Professional

Protect Your Home with Customized Insurance Coverage

Protecting your home, your biggest investment, requires tailored coverage. Randomly chosen coverage amounts can lead to disastrous outcomes. We help you determine rebuilding costs, replace belongings, and safeguard against liability lawsuits. Get personalized insurance for your home, apartment, condo, or rental property, ensuring comprehensive protection for your property and loved ones.

Get a Quote Learn More
Woman holding up a five with her hand

Five Benefits of a Certificate of Deposit

Certificates of deposit (CDs) are just one of many options available for saving money. However, CDs offer benefits you may not find with other savings solutions.
Read more
Cell phone display with text scam

5 Tips to Avoid Potential Scams

Here are 5 tips you can follow to help protect yourself from potential scams.
Read more
Woman adjusting light fixture in kitchen

Ten Practical Ways to Save Money Year-Round

Saving money is a goal that benefits everyone, no matter the time of year.
Read more