The Kansas Homeownership Assistance Program (KS-HAP) is a great program. It is a 'First-Time Homebuyers' down payment assistance. FHA requires a minimum cash investment of 3.5% of the purchase price to be included in the financing. The KS-HAP program covers 4% of the purchase price, which would cover the necessary cash investment and leave some funds to cover items paid outside of the closing or earnest money deposit that was made at contract.
The USDA/RD program is available in areas very near Lawrence and is a 100% financing program with NO downpayment required. This is the "Guaranteed" program. A VA loan is of course an option, if you qualify. Not all banks and mortgage lenders are participating in the program.
Here is a link to the website: http://kshap.org/lender.html