Missouri Down Payment Assistance
Missouri Down Payment Assistance Programs
A guide to current down payment assistance options in Missouri, including the state Housing Finance Agency, well-known city and county programs, and live DPA mortgage pricing for Missouri homebuyers.
Missouri Housing Finance Agency
Missouri Housing Development Commission (MHDC)
mhdc.com/services/homebuyer-programs/
MHDC administers the primary DPA programs for Missouri. Program details below are current as of April 23, 2026 - confirm current terms directly with MHDC before applying.
Statewide DPA Programs in Missouri
First Place - Cash Assistance Loan (CAL)
MHDC
Up to 4% of the first mortgage amount for down payment and closing costs, structured as a forgivable second mortgage.
Paired with: Conventional, FHA, VA, RD
- First-time homebuyer: Required
- Primary residence only
- Income: MHDC household income limits apply by county and household size; see MHDC schedule.
- Homebuyer education required
First-time homebuyer requirement is waived for qualified veterans and in targeted areas. Funds are allocated first-come, first-served through Certified Lenders.
Source: mhdc.com
First Place - Non-Cash Assistance Loan (Non-CAL)
MHDC
Lower first-mortgage interest rate for eligible first-time homebuyers who do not need or do not qualify for cash assistance.
Paired with: Conventional, FHA, VA, RD
- First-time homebuyer: Required
- Primary residence only
- Income: MHDC household income limits apply by county and household size; see MHDC schedule.
- Homebuyer education required
Does not include cash assistance. Rates set by MHDC and published via Certified Lenders.
Source: mhdc.com
Next Step
MHDC
Up to 4% of the loan amount as a 0% interest second mortgage for down payment and closing costs; forgiven after 10 years unless the home is sold or refinanced before then.
Paired with: Conventional, FHA, VA, RD
- First-time homebuyer: Not required
- Primary residence only
- Maximum DTI: 45%
- Income: Higher household income limits than First Place; see MHDC Next Step schedule by county.
- Homebuyer education required
Open to both first-time and repeat buyers who exceed First Place income limits. A credit score of 680 may be required for maximum DTI allowance.
Source: mhdc.com
2026 Loan Limits in Missouri
Conforming (Conventional)
$806,500 baseline
FHA
$524,225 floor
Most Missouri counties use the FHA floor limit.
Live DPA Pricing for Missouri
Pricing below is sourced live from hundreds of wholesale lenders for a Missouri scenario. Edit the inputs to match your situation.
FHA Down Payment Assistance
Up to 5% assistance; repayable second at first rate + 2% over 10 years
▸Program details
- ✓Minimum credit score: 580
- ✓Non-traditional credit also possible
- ✓Assistance up to 2.5%, 3.5%, or 5% of the lesser of purchase price or appraised value
- ✓Assistance can be used for down payment, closing costs, or both
- ✓Second lien: 10-year fixed, repayable
- ✓Second lien rate is 2% higher than the first mortgage rate
- ✓No first-time homebuyer requirement
- ✓No income cap
- ✓Purchase of primary residence only
- ✓Eligible properties: 1-unit residences, PUD, 2-4 units, FHA-approved condos, manufactured (single/double-wide)
- ✓DTI per AUS and FHA manual underwriting guidelines
- ✓First lien: FHA 30-year fixed
Assistance amount
Compare DPA options for Missouri with live pricing
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