Construction to Permanent Loans

With the Construction-to-Permanent loan program, you can enjoy the convenience of one loan throughout the building process and life of the loan.
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ONE CLOSING. ONE RATE. ONE LOAN.

Having a strong foundation and a solid plan for financing is crucial when building your dream home. With Capitol Federal’s Construction-to-Permanent Loan program, you can enjoy the convenience of one loan throughout the building process and life of the loan. We offer competitive conforming and jumbo rates, with loan costs among the lowest in the industry. 

Construction to Permanent Highlights:

  • One-time closing, covering both the construction and end loan financing
  • One set of closing costs
  • Interest rate is locked for life of the loan on fixed-rate loans
  • Automatic conversion to a permanent loan with no change to your interest rate
  • Free one-time re-amortization upon the sale of your existing residence*
  • Interest only period of 12 months
  • Lower monthly payments than regular home improvement loans
  • The loan always remains at Capitol Federal®, providing you excellent local service

Why dream when we can make it a reality?

*You must close the sale within 90 days of conversion.  Additional restrictions apply.

Construction-to-Permanent loans are not available in all areas.  Loan information is subject to change.  Certain restrictions apply. 

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.

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Convenient Automatic Payment Option

Simplify your mortgage with Capitol Federal’s Automatic Payment Option (pre-authorized payments). Enroll once, choose your payment date, and enjoy worry-free, on-time payments from your checking account—no checks, no postage, no missed due dates.
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