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                    Helpful Home Buyers Assistance Programs and Links



PLEASE NOTE: The information below is provided as a curtosy by Custom Service Realty LLC, we are not lenders.  Some programs are offered for a limited time and some run out of funds and must wait to be refilled so availability may vary.  Program requirements will vary and Custom Service Realty LLC requests you speak with your lender in detail regarding them, your options and what will benefit you the most.  Please call if we can help you further.


St. Charles County "1st HOME" program provides a 0% interest down payment loan, due upon sale or transfer of title to income-eligible home buyers in Cottleville, Dardenne Prairie, Lake St. Louis, St. Paul, Weldon Spring, Wentzville and Unincorporated St. Charles County. Participating Lenders/Counseling Agencies are Better Family Life 314-367-1843, Beyond Housing 314-533-0600 and Northeast Community Action Committee 800-748-7636.  Other lenders may work jointly with them so if your already working with a lender ask about these programs.  

City of St. Charles offers a Down Payment Assistance program of up to $5000 for qualified home buyers. Contact the Department of Community Development located on the 3rd floor of City Hall, 200 N Second St, Suite 303, St. Charles MO 63303 or call 636-949-3222 for availability and qualifications.

USDA offers 100% loans among other services to buyers who qualify when purchasing homes in rural areas such as Troy Missouri that qualify.  Visit  USDA Income and Property Eligibility  for qualifications.

St. Louis County "1st Home" program provides to qualified home buyers a 0% interest down payment loan (2nd Mortgage) that is forgivable after 5 years (After living in the home 5 years the debt is forgiven). Participating Lenders/Counseling Agencies are Better Family Life 314-367-1843, Beyond Housing 314-533-0600 and Northeast Community Action Committee 800-748-7636.  Other lenders may work jointly with them so if your already working with a lender ask about these programs. 

Hometown Heroes Homeownership program provides to eligible buyers up to $7500 in down payment and closing cost assistance in the form of a 0% interest five year forgivable loan.  Hero professions is limited to Firefighters, Police Officers, Active Military/Veterans, primary and secondary Teachers, Nurses and EMTs.  Homes must be preapproved to qualify also and you can find a list of them here Preapproved homes are available with varying levels of additional assistance (5k - 15k for NSP and up to 50k for the HOME Investment Partnership Program).  Funding from this program may be combined with other programs.

 Better Family Life
Organized in 1983, Better Family Life, Inc. (BFL) is a 501 (c)(3) community development corporation dedicated to the prosperity and growth of the American family. BFL finds and creates holistic solutions that promote stability and self-sufficiency within the metropolitan St. Louis communities.

BFL is committed to providing quality and life enhancing services to all people, in particular low-to-moderate wealth individuals and families.

Beyond Housing
Beyond Housing is one of the St. Louis region’s leading providers of housing and support services for low-income families and homeowners.

Missouri Home Programs
Provides a summary of housing related programs for home buyers in the state of Missouri. A number of programs provide home buying assistance to individuals based on income.

The Neighborhood Assistance Corporation of America ("NACA") is a non-profit, community advocacy and homeownership organization. NACA’s primary goal is to build strong, healthy neighborhoods in urban and rural areas nationwide through affordable homeownership.

North East Community Action Corporation (NECAC) is dedicated to assist the disadvantaged within our 12 county service area in their efforts to rise above poverty by providing needed services to enable each individual to function at his or her own improved financial, physical, mental and social level.


HOME St. Charles
HOME St. Charles provides downpayment and closing cost assistance to homebuyers in St. Charles County. Visit this site for information on this program and other homebuyer assistance programs available in the County.



Available Chamber of Commerce in St. Charles County

St. Peters Chamber of Commerce


St. Charles Chamber of Commerce

O'Fallon Chamber of Commerce

Available Chamber of Commerce in Saint Louis


Hispanic Chamber of Commerce

West County Chamber of Commerce 



Kimmswick Visitors Center


Chamber of Commerce: St Louis Regional Chamber and Growth Association


Kirkwood Chamber of Commerce


North County Chamber-Commerce


Clayton Chamber of Commerce


Webster Groves Shrewsbury Area Chamber of Commerce



St. Charles Economic Development Center


Karen Weidinger Foundation
The Karen Weidinger Foundation, founded in loving memory of former SCCAR Affiliate member Karen Weidinger is dedicated to "Empowering St. Charles and surrounding communities with knowledge and support to win the fight against breast cancer."



Real Estate


SCCAR on YouTube
This channel contains the latest videos and information regarding the activities of the St. Charles County Association of REALTORS® and the real estate market in St. Charles County, Missouri.


St. Louis ASHI Chapter


St. Louis ASHI Chapter
This is the official website of the St. Louis Chapter of the American Society of Home Inspectors (ASHI). Here you will find information on the ASHI organizations their standards and the programs they offer. This is where you can locate a list of St. Lou


Missouri Association of REALTORS®

National Association of REALTORS®
Missouri Real Estate Commission
Women’s Council of REALTORS®


Government Affairs


City of St. Peters
What's happening in St. Peters?


City of O'Fallon
What's happening in O'Fallon?


St. Charles County Government
Your connection to the county.


City of Wentzville
What's happening in Wentzville?


Missouri Legislator Lookup
Find your elected officials!


Missouri State Government
Find out the latest buzz in Jefferson City.


National Association REALTORS Action Center
Get the latest news from NAR. Contact your elected officials with just the click of a button.


City of Lake St. Louis
What's happening in Lake St. Louis?


City of Florissant

What's happening in Florrisant?


City of Hazelwood

What's happening in Hazelwood?











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