NCK Home Ownership Program

A new program that seeks to make home ownership more affordable is now available to eligible buyers purchasing a home in Ellsworth and Lincoln counties.

The two-county pilot project of the NCK Home Ownership Program will assist current and future residents by reducing the barriers of down payments and closing costs. The program offers a combination of a 0% down payment assistance loan of $10,000 and closing cost grant of $2,000 when purchasing a home of $50,000 or greater in Ellsworth or Lincoln County. Funds are limited and available on a first come, first served basis. The program officially launched in Ellsworth County June 5 and in Lincoln County June 6.

An award from the Dane G. Hansen Foundation of Logan, Kansas, will be used to assist in the creation of the loan and grant pool. North Central Regional Planning Commission (NCRPC) of Beloit, Kansas, will provide program administration led by Debra Peters, Program Manager, and Keegan Bailey, Program Coordinator.

“This initiative would not have been possible without assistance from the Dane G. Hansen Foundation, Ellsworth and Lincoln County banks, Smoky Hill Development Corporation Executive Director Stacie Schmidt, and Lincoln County Economic Development Foundation Executive Director Kelly Larson,” Peters said.

According to Peters, the primary objectives of the pilot program are to reduce the number of homes on the market by making homeownership more affordable, be a catalyst for first time home buyers, benefit employers in recruiting and retaining employees, potentially reduce time/expense commuting to work, and provide an opportunity for alumni to return to North Central Kansas and enjoy the convenience of living closer to friends and family.

A similar program was offered in Cloud and Mitchell Counties in 2018-2019. Ultimately the goal is to expand the NCK Home Ownership Program to other counties in the NCRPC service area.

For more information about the pilot program in Ellsworth or Lincoln County, visit or contact your local bank, realtor, or Debra Peters or Keegan Bailey at the North Central Regional Planning Commission at 785-738-2218.

The NCRPC is committed to advancing rural Kansas through comprehensive planning and development services. Its primary service area includes 12 counties and 83 cities in North Central Kansas. For more information about the NCRPC, visit

Flyer -Employees and Job Seekers
Flyer – Alumni