Help to buy in Missouri

Home-buying assistance programs in Missouri

2 official programs for down payment and closing cost help in Missouri, from Missouri Housing Development Commission. We show what each program says on its own page, with the date we checked it.

See the list Which programs might I qualify for?

Brick houses with long porches and stairs on a hillside in St. Charles, Missouri.

Verified programs: 2; from Missouri Housing Development Commission
First-time buyers only: 1; 1 does not require it or its page does not say
Accept an ITIN: 0; per their own site · no: 0 · unconfirmed: 2
Last checked: November 5, 2026; against each program’s official page

How to read the list

Not all help is the same

Amounts, limits and funding change: confirm with a participating lender.

Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.

On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.

Type not stated

The source does not say the type of help
Forgivable

Second loan forgiven if you stay in the home

The full list

Programs in Missouri

Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.

First Place Loan Program
- Type not stated
Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs

What it gives, per the source

the program provides the option for cash assistance to be used for down payment and closing costs.

First-time buyer?

First-time buyers only

Accepts ITIN?

Its site does not confirm

Run by Missouri Housing Development Commission (MHDC)

Verified November 5, 2026

See details Official page
Next Step Program
- Forgivable
Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years

What it gives, per the source

For potential homebuyers with limited savings, the program provides the option for cash assistance to be used for down payment and closing costs. Loans are provided by Certified Lenders for any eligible property in the state of Missouri. All interest rates and allowable closing costs are set by Missouri Housing Development Commission with no minimum down payment or minimum loan amounts.

First-time buyer?

The source does not say whether you must be a first-time buyer

Accepts ITIN?

Its site does not confirm

Run by Missouri Housing Development Commission (MHDC)

Verified November 5, 2026

See details Official page

Programs in other states

Help to repair your home

Repair programs in Missouri

One program we checked in Missouri to repair your home or make it more efficient, with what its page says.

Low-income Weatherization Assistance Program

Run by Missouri Department of Natural Resources, Division of Energy

Missouri weatherization program: upgrades that cut energy use in low-income homes, through local agencies

See details

Get free help applying A HUD-approved counseling agency can go over the requirements with you, free or at low cost. See the agencies

Your county

Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.

Frequently asked questions

What is down payment assistance?

Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.

Do I need to be a first-time buyer in Missouri?

Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.

Can I use these programs with an ITIN?

What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.