Toto Program

TOTO (Topeka Opportunity to Own) helps Topeka residents become homeowners by providing education, financing and home rehabilitation.  A home buyer counselor will assist you through the entire process.

Financing for the home purchase and repair will be provided by a participating lender – Capitol Federal ® and the City of Topeka Housing and Neighborhood Development. The lender will provide the first mortgage loan. Closing costs will be provided by Federal Home Loan Bank. The City will provide up to $20,000 for repair and purchase cost, or up to $30,000 for homes purchased in one of the opportunity areas.

  • $500 for down payment
  • Purchase anywhere in the City of Topeka or in one of four opportunity areas
  • Sales price cannot go over $75,000
  • Cannot own real estate at time of closing
  • Credit readiness and approval
  • Budget evaluation will determine affordability
  • Attend a total of 12 hours of home buyer and maintenance training before closing
HUD Median Annual Family Income Guidelines – 80% Area Median
Family SizeOneTwoThreeFourFiveSixSevenEight
Yearly Income 80%$43,550$49,750$55,950$62,150$67,150$72,100$77,100$82,050
A qualified housing counselor will help you with:
  • setting up a budget
  • credit readiness
  • financing options
  • grant opportunities
  • action plan to accomplish your goals
  • affordability
  • down payment
  • working with a lender
  • working with a realtor
  • selecting a home
  • offers and closings
  • home maintenance


By the end of the counsel, you’ll be prepared to pursue home ownership and feel more confident about the entire home buying process. The session takes an average of 60-90 minutes and includes a home buyer education certificate at completion. This certificate is necessary to access many of the financial assistance programs.

There is no fee for pre-purchase counseling.

To prepare for your appointment

These forms are in Adobe Reader files. If you don’t have the software, download it free prior to attempting to access the files.


If you are attending your counseling session in person, bring the completed information listed above with you to your appointment. If you are conducting your session by phone, please return the completed information listed above to our office in advance of your appointment and keep a copy for yourself to refer to during the session.

Founding Partners


Sustaining Partner

FHLBank Topeka

Lending Partners

Capitol Federal since 1992