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 www.stlouisco.com. 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 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.