Buy a Home in Manhattan KS During the Shutdown

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Why NOW Is Still a Smart Time to Buy a Home in Manhattan, KS—Even During a Government Shutdown

If you’ve been watching the headlines, you know the federal government has entered a shutdown as of October 1, 2025—and it’s ongoing. That sounds scary. But here’s the good news: for most buyers in Manhattan, KS, the path to homeownership is still open with a smart plan, the right lender, and an experienced local REALTOR® in your corner.

First, what actually changes for buyers?

  • Conventional loans (Fannie/Freddie) and many lender operations continue. Private lenders aren’t shut down; they keep underwriting and closing loans. Some verification steps may take longer (e.g., IRS or certain federal verifications), but strong lenders have workarounds.

  • VA loans largely continue, though some paperwork (like Certificates of Eligibility or appraisals) can face minor delays depending on staffing. Bottom line: VA buyers can still move forward. U.S. Department of Veterans Affairs+1

  • USDA Rural Development loans may pause new commitments during a shutdown. If you planned a zero-down USDA loan, talk to your lender about a backup plan (e.g., switching products or timing). USDA+2Housing Assistance Council+2

  • Flood insurance (NFIP) can be impacted if you’re buying in a designated flood zone. Most Manhattan neighborhoods aren’t in SFHAs, but if yours is, we’ll confirm coverage early. NAR+1

Why Manhattan, KS buyers still have an edge right now

  1. Less competition, more negotiating power. Headlines spook casual shoppers. Serious buyers (that’s you) face fewer bidding wars and can negotiate on price, credits, or repairs. NAR

  2. Motivated sellers want certainty. Sellers value clean terms, quick timelines, and trusted local agents. We craft offers that feel “easy to say yes to”—even if we negotiate hard behind the scenes.

  3. Rates move on data—shutdowns can delay data. When key economic reports are delayed, rate volatility can create opportunity. With proactive rate-lock strategy and float-down options, we can capitalize when dips appear.

  4. Local stability matters. The K-State and Fort Riley influence help keep demand steady—supporting long-term value for well-located homes. (Location still wins.)

How to buy smart during the shutdown (simple, step-by-step)

Step 1: Get lender-ready.
Ask us about our Preferred Lenders. They NOW how to navigate the crazy interest rates. THEN: ask your lender how they’re handling income/IRS verifications right now and confirm a same-day pre-approval refresh before showings. If you planned USDA, request a Plan B loan option so your timeline stays intact. 

Step 2: Lock strategically.
Consider a rate-lock with a float-down so you’re protected if rates jump, but can still benefit if they slip on delayed data or market jitters.

Step 3: Front-load the “slow stuff.”
Order the appraisal, title, and insurance right away. If your property is in or near a flood zone, we’ll verify NFIP availability or line up private flood alternatives.

Step 4: Write “certainty-forward” offers.
We’ll use realistic close dates, strong communication, and clean contingencies—without giving away your leverage. Sellers crave predictability right now.

Step 5: Keep your timeline flexible by days—not weeks.
Build in a cushion for any government-dependent documents. The right contract language protects you while keeping your offer competitive.

Buyer FAQs (Shutdown Edition)

Can I still close on a VA loan?
Generally, yes. The VA continues critical services, though isolated delays can occur. We’ll verify turn times and get your COE early. U.S. Department of Veterans Affairs+1

What if I’m using a USDA loan?
New USDA commitments may be paused. We’ll coordinate with your lender on alternatives (e.g., conventional with down-payment assistance) or adjust timing—without losing the house you want. USDA+1

Do I need to worry about flood insurance?
Only if the home requires it. If NFIP availability is affected, we’ll explore private flood options or adjust closing mechanics to keep your deal on track.

Bottom line

A government shutdown adds noise, not a full stop. With a proactive game plan, you can still buy the right Manhattan, KS home at the right price—and often with better terms than in “normal” markets. If you’re serious about moving, this is a window of opportunity as many are too scared to take action.  Remember marry the HOME not the Rate. 

Ready to make your move?
Let’s create a custom buy plan for you, contact one of our Expert Agents Today!  

E: Homes@MoveManhattan.com

O: 785.587.5222 

C: 785.317.7476