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CASH Program

CASH Program
Creating Assets, Savings & Hope
Formally known as the Individual Development Account Program (IDA)

Does owning your own home, continuing your education or starting your own business seem like an impossible dream?


It’s not. The key is saving, and we are here to help you fulfill your dreams.

The CASH Program is designed to improve your economic situation and instill within you a long-term savings behavior. Let us help you prepare for your brighter future. There are two main elements of the CA$H program: Education and Individual Development Accounts.

All participants must commit to three parts of the CASH program: attend six hours of financial education, complete four life-skills workshops, and save for a minimum of six months with a minimum deposit of $20.00 per month. After participants complete these three commitments they qualify for a 2:1 savings match to go towards the purchase of one the high-return investments listed below.

There is a maximum amount that IHS will match for each investment. Please see the chart listed below.

InvestmentAmount SavedAmount MatchedTotal Savings
First Time Homeownership*
Homeowner Occupied Housing Repair$2,000$4,000$6,000
College Tuition$3,000$6,000$9,000
Specialized Skills Training$1,000$2,000$3,000
Small Business Capitalization$3,500$7,000$10,500
*The maximum amount matched will vary depending on the participants marital status.

Qualified applicants must:

  • Be a legal resident of Kansas.
  • Must meet the following household guidelines

Income Guidelines as of January 2013

Family Size


















or be eligible for the Earned Income Tax Credit (EITC) or Temporary Assistance for Families(TAF)

Applicant’s household must have a net worth (market value of all assets that are owned in whole or in part by any member of the household, minus debt) less than $10,000. This EXCLUDES the home you live in and one motor vehicle.