Community Loan Program


At First Federal, we’re committed to helping the communities we serve grow and prosper by expanding home ownership possibilities for all.

Our Community Loan Program is designed to help customers buy or refinance homes in select urban core areas by providing grants up to $2,500 per mortgage for down payments or interest rate buy-downs. 

Program Details

  • Available for homes in select areas in Jackson County, Missouri or Wyandotte County, Kansas. (Download our Community Loan Program guide for directions on locating eligible locations.)


  • $2,500 grant for closing costs or interest rate reductions
  • No minimum loan amount
  • Minimum down payment of only 3%
  • Discounted home appraisal of just $150
  • First-time homebuyers must complete an approved homebuyer education program offered by a local housing organization

Community Loan Contact

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