Down payment assistance · Ray County
Buying a home in Albany, MO
8 statewide.Albany has no program of its own, and 8 statewide. Here is what each one offers, and who near you can walk you through it.
What’s local to Albany
No program of Albany’s own yet
No program run for Albany or for Ray County alone is listed. A home in Albany can use the Missouri statewide and federal programs below.
The closest city that runs its own program is Lee's Summit, about 26 miles away. City programs usually require the home to be inside that city’s limits.
Income limits in Ray County
How programs here set their income limits
10 of the 70 programs here set their income limit as a share of Ray County’s area median income, adjusted for household size. See the published limits for Ray County
Free help nearbyFree help near Albany
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes and can walk you through your options. Create a free account to see who’s near you and pick one.
Free account → 90-second match → your counselors · Sign in
Across Missouri and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
Albany questions
Does Albany have its own down payment program?
No program run for Albany alone is listed. A home in Albany can use the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Albany?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Ray County?
Each program sets its own. 10 of the programs here set theirs as a share of HUD’s area median income for Ray County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Albany?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
64402
Nearby in Ray
Sources
Sources: agency sites (July 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.