Increase your buying power in Missouri
20 homebuyer assistance programs in Missouri put grants, forgivable loans and special mortgages toward your down payment and closing costs, so your budget goes further. Add creative financing like seller credits and rate buydowns, and it stretches even more.
What 20 programs tell us about buying in Missouri
No repayable second loans
Every Missouri down payment program we track is a grant or forgivable loan: 12 of 20, with none structured as a loan you must pay back.
St. Louis leads
HomeSTL pays up to $50,000 ($40,000 base plus $10,000 in qualified census tracts), and St. Louis County, Florissant and Beyond Housing add more.
Credit unions fill the gap
5 programs from Vantage, Alliance and Multipli credit unions offer low-down and zero-down mortgages.
How the help arrives · 20 programs
Award sizes · grants and loans with a dollar cap
3 more pay a percentage of the price or loan, which scales with the home you buy. Your award depends on income, price and location.
Who runs them
5 programs are available statewide. 15 are limited to a city, county or region, so the address you buy at changes what you can get.
More programs, more buying power. Most buyers qualify for more than one. The Wallet Wizard checks income limits, price caps and location rules across all 20 Missouri programs and 14 multi-state programs at once, and shows where creative financing like seller credits can stack on top.
Check my eligibilityPrograms to know in Missouri
A few of the 20 programs we track, chosen for reach, award size and terms. Amounts are program maximums; what you receive depends on income, price and location.
HomeSTL Homebuyer Assistance Program
St. Louis Development Corporation$40,000 base, plus $10,000 more in HUD qualified census tracts, for households at or below 80% of area median income. Can also buy down the price.
First Place with Down Payment Assistance
Missouri Housing Development Commission4% of the loan amount toward down payment and closing costs, paired with an MHDC First Place mortgage.
Next Step Cash Assistance Loan
Missouri Housing Development Commission4% of the loan amount for buyers in MHDC targeted areas, including repeat buyers.
Mortgage Credit Certificate
Missouri Housing Development CommissionA federal tax credit of 25%, 35% or 45% of annual mortgage interest, up to $2,000 a year.
Down Payment Loan Program
St. Charles CountyUp to $10,000 for households at or below 80% of area median income, open to repeat buyers.
2% Gift Assist Program
Vantage Credit UnionA lender-funded 2% down payment; you bring 1%, which can come from family. No mortgage insurance.
14 multi-state programs also serve Missouri
Offered by banks, credit unions and Federal Home Loan Banks in several states at once. Most are tied to that lender's own mortgage, so the lender you choose decides whether you can use them. The Wallet Wizard shows which ones you can pair.
FHLBank Des Moines Native American Homeownership Initiative
Forgivable loan · 13 states Check eligibilityThese are 4 of the 14 multi-state programs open to Missouri buyers. See which ones you qualify for
See how much more home you can afford in Missouri
- 1Answer a few questions in the Wallet WizardWhere you want to buy, household size, income range, job and military status.
- 2Get matched against every program we trackIncome limits, price caps, location rules and repayment terms, checked for you.
- 3Work with a pro who knows creative financingAgents and loan officers on Homebuyer Wallet see the same matches you do, and can layer in seller credits, lender credits and rate buydowns.
Every Missouri program, matched to your buyer in seconds
Homebuyer Wallet gives professionals the full program record: income tables, price caps, approved lenders, provider contacts and application steps. Close the deals that stall on cash to close.
Missouri homebuyer assistance FAQ
How much down payment assistance can I get in Missouri?
It depends on where you buy and your household income. Among the 9 Missouri programs we track that publish a dollar cap, the median award is $10,000. Others pay a percentage of the price or loan. The Wallet Wizard shows the amounts you could get for the home you want.
How do these programs increase my buying power?
Assistance covers part of your down payment or closing costs, or lowers your rate, so less of your own cash goes in upfront. The same savings and income can then support a higher purchase price or a lower monthly payment. Many buyers stack a statewide program with a local one to stretch further.
Can I combine these programs with seller credits or other creative financing?
Usually, yes. Seller credits toward closing costs, lender credits and rate buydowns can often be used alongside assistance programs, within your loan’s limits. The Wallet Wizard shows what fits together, and Homebuyer Wallet agents and loan officers can help you structure it.
Do I have to pay the assistance back?
12 of the 20 active programs (60%) are grants or forgivable loans: you repay nothing if you keep the home as your primary residence for the required period. 0 more are deferred or repayable second loans, due when you sell, refinance or move out, or paid monthly.
Do I need to be a first-time homebuyer?
Not always. 3 of the 20 Missouri programs we track explicitly require first-time status, and most of those count anyone who has not owned a home in the past three years. The Wallet Wizard checks each program’s ownership rule for you.
Are there programs for teachers, first responders or other workers?
Yes. 2 programs we track in Missouri are tied to a specific employer or profession, such as public employees, educators, first responders, healthcare workers or service members. Job-based programs often stack with income-based ones.
Can I combine more than one program?
Sometimes. Missouri has 5 programs available statewide and 15 limited to a city, county or region. Many local programs are built to layer on top of a statewide loan; others prohibit stacking. Your lender confirms what combines with your first mortgage.
How do I find out which programs I qualify for?
Answer a few questions in the Wallet Wizard: where you want to buy, household size, income range and job. It checks income limits, price caps, location rules and funding status across every program we track in Missouri, plus multi-state and national programs, and shows the ones that fit.
How current is this information?
Our team reviews every program against the provider’s own materials on a rolling basis. 2 programs we track are currently paused, out of funds or waitlisted and not counted on this page. Funding opens and closes often; the Wallet Wizard shows each program’s current status.
Explore another state
All Top ProgramsSource: the Homebuyer Wallet database of 2,000+ Community Home Investment Programs (CHIPs). Each program is reviewed by our team against the provider’s own website and documents. Award amounts are program maximums.