Down payment assistance · Missouri

Buying a home in Missouri

26 programs: 8 statewide, the rest run by counties and 6 cities. What you can use depends on where the home is.26 programs across Missouri: 8 statewide, the rest run by counties and 6 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Jackson	4	$230,500	$113,400	See Jackson
Boone	3	$272,800	$119,200	See Boone
St. Charles	3	$320,800	$113,500	See St. Charles
Greene	2	$221,300	$91,400	See Greene
All 115 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified July 2026.

Anywhere in Missouri

8 statewide programs

Up to $25,000

FHLBank Des Moines Native American Homeownership Initiative (NAHI)

Assistance grant · Forgiven over 5 yrs · Income limits

See details

Up to $15,000

FHLBank Des Moines Home$tart

Assistance grant · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $10,000

Beyond Housing Down Payment and Closing Cost Assistance Program

Forgivable loan · Forgiven over 5 yrs · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

23 HUD-approved counseling agencies in Missouri23 HUD-approved housing counseling agencies in Missouri

3 of the 8 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.3 of the 8 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Income limitsIncome limits and price caps in MissouriArea median income for all 115 counties, and the limit each program sets.See the limits

Missouri questions

What is FHLBank Des Moines Native American Homeownership Initiative (NAHI)?

FHLBank Des Moines Native American Homeownership Initiative (NAHI), a assistance grant (forgiven over 5 yrs, income limits), open anywhere in Missouri and run by Federal Home Loan Bank of Des Moines (through participating member financial institutions). Its page has the details and a link to the official site.

Which Missouri counties run their own programs?

9 counties of 115 have a county or city program listed, among them Jackson, Boone, St. Charles and Greene. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Missouri?

Many programs ask for one. 3 of the 8 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Missouri condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.

6 Missouri cities with their own program