Missouri First-Time Home Buyer Programs 2026
$7,500 DPA available through Missouri Housing Development Commission (MHDC). MHDC First Place Loan program offers $7,500 in DPA at 0% — forgiven after full repayment of first mortgage.
Max Assistance
$7,500 DPA
Type
0% deferred loan
Min Credit
640+
Max Home Price
$349,525
Ready to apply for Missouri assistance?
Get pre-approved in minutes — your lender will connect you with MHDC programs automatically.
Missouri First-Time Buyer Programs Comparison
| Program | Max Assistance | Type | Min Credit | Income Limit |
|---|---|---|---|---|
| MHDC First Place Loan Best statewide program | $7,500 | 0% deferred loan | 640+ | $75K–$96K |
| MHDC Next Step Program Repeat buyers OK | $7,500 | 0% deferred | 640+ | Same |
Eligibility Requirements
- ✓640+ credit score
- ✓Income within MHDC limits
- ✓Homebuyer education required
- ✓Primary residence in Missouri
Pro Tip
Available statewide: Kansas City, St. Louis, Springfield, Columbia, Independence.
How to Apply for Missouri Programs
Get Pre-Approved
Work with a MHDC-approved lender. They handle the state program paperwork for you.
Complete Education
Take the required homebuyer education course (online, ~6 hours, ~$75). Required by most state programs.
Close & Get Funds
The 0% deferred loan is applied at closing — you don't pay extra at the table.
Official Agency
Missouri Housing Development Commission
MHDC — Missouri official housing finance authority
Frequently Asked Questions
What is the best first-time home buyer program in Missouri?
The best program in Missouri is the MHDC First Place Loan, which offers $7,500 as a 0% deferred loan. Minimum credit score: 640. Income limit: $75K–$96K.
How much down payment assistance is available in Missouri?
Missouri offers up to $7,500 DPA through Missouri Housing Development Commission (MHDC). The assistance is structured as a 0% deferred loan. Income limits are $75,000–$96,000 depending on household size and county.
What credit score do I need for Missouri first-time buyer programs?
Most Missouri programs through MHDC require a minimum credit score of 640. Some programs may accept lower scores with compensating factors. Check with an MHDC-approved lender for your exact score requirements.
What is the income limit for Missouri first-time buyer programs in 2026?
In 2026, Missouri income limits are $75,000–$96,000 depending on household size and county. The home price limit is $349,525. These limits are set by Missouri Housing Development Commission.
Don't Leave $7,500 DPA on the Table
Pre-approval is free. Your lender will apply for MHDC programs automatically — no extra work for you.
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