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Down payment assistance income limits in Missouri

25 down payment assistance programs in Missouri publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Missouri county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Missouri
CountyPublished4-person median
Adair2026$84,000
Andrew2026$91,800
Atchison2026$74,500
Audrain2026$80,100
Barry2026$75,000
Barton2026$68,500
Bates2026$84,100
Benton2026$68,800
Bollinger2026$90,200
Boone2026$119,200
Buchanan2026$91,800
Butler2026$70,000
Caldwell2026$113,400
Callaway2026$94,400
Camden2026$87,400
Cape Girardeau2026$90,200
Carroll2026$81,200
Carter2026$63,100
Cass2026$113,400
Cedar2026$74,600
Chariton2026$87,400
Christian2026$91,400
Clark2026$75,200
Clay2026$113,400
Clinton2026$113,400
Cole2026$105,500
Cooper2026$93,300
Crawford2026$74,700
Dade2026$75,000
Dallas2026$70,500
Daviess2026$81,200
Dekalb2026$91,800
Dent2026$71,900
Douglas2026$63,400
Dunklin2026$68,700
Franklin2026$113,500
Gasconade2026$82,100
Gentry2026$75,200
Greene2026$91,400
Grundy2026$77,400
Harrison2026$72,500
Henry2026$74,400
Hickory2026$58,900
Holt2026$82,400
Howard2026$84,400
Howell2026$63,000
Iron2026$78,900
Jackson2026$113,400
Jasper2026$80,200
Jefferson2026$113,500
Johnson2026$91,500
Knox2026$80,900
Laclede2026$65,600
Lafayette2026$113,400
Lawrence2026$83,100
Lewis2026$91,200
Lincoln2026$113,500
Linn2026$84,500
Livingston2026$82,300
Macon2026$81,800
Madison2026$77,600
Maries2026$85,700
Marion2026$80,500
Mcdonald2026$61,700
Mercer2026$74,700
Miller2026$82,400
Mississippi2026$71,000
Moniteau2026$85,300
Monroe2026$84,700
Montgomery2026$79,200
Morgan2026$75,200
New Madrid2026$70,800
Newton2026$80,200
Nodaway2026$88,700
Oregon2026$60,300
Osage2026$105,500
Ozark2026$62,600
Pemiscot2026$52,000
Perry2026$88,300
Pettis2026$75,500
Phelps2026$79,600
Pike2026$85,400
Platte2026$113,400
Polk2026$80,300
Pulaski2026$83,200
Putnam2026$90,400
Ralls2026$90,200
Randolph2026$78,700
Ray2026$113,400
Reynolds2026$62,600
Ripley2026$65,000
Saint Charles2026$113,500
Saint Clair2026$72,900
Saint Francois2026$70,200
Saint Louis2026$113,500
Saint Louis City2026$113,500
Sainte Genevieve2026$95,200
Saline2026$87,200
Schuyler2026$84,500
Scotland2026$85,100
Scott2026$80,500
Shannon2026$72,000
Shelby2026$68,600
Stoddard2026$76,700
Stone2026$81,300
Sullivan2026$76,800
Sullivan Part2026$113,500
Taney2026$77,500
Texas2026$67,100
Vernon2026$72,500
Warren2026$113,500
Washington2026$77,900
Wayne2026$60,400
Webster2026$91,400
Worth2026$78,000
Wright2026$64,000

Published limits by program

Published income limits and purchase price caps by program in Missouri
ProgramIncome limitPrice cap
Beyond Housing Down Payment and Closing Cost Assistance ProgramSee programSliding-scale maximum gross household income (effective June 1, 2026). Example for 100% DPA eligibility: 1 person $39,750; 2 $45,400; 3 $51,100; 4 $56,750; 5 $61,300; 6 $65,850; 7 $70,400; 8 $74,950 (higher income tiers qualify for 95%/90% of the DPA amount).—
City of Columbia Homeownership Assistance ProgramColumbia · BooneSee programHUD income guidelines by household size (effective April 1, 2025): 1 person $59,300; 2 $67,750; 3 $76,200; 4 $84,650; 5 $91,450; 6 $98,200; 7 $105,000; 8 $111,750.$249,000
City of Florissant Down Payment Assistance ProgramFlorissant · St. Louis80% of area median incomeIncome-eligible (low-to-moderate income); specific household income limits not published on the program page - confirm with the City—
City of Jefferson CDBG Down Payment Assistance ProgramJefferson City · Cole80% of area median income2026 HUD income limits by household: 1-person $59,100; 2 $67,550; 3 $76,000; 4 $84,400; 5 $91,200. All household occupants over 18 counted.—
City of Lee's Summit First Time Homebuyer ProgramLee's Summit · Jackson80% of area median incomeLow-to-moderate income; Kansas City MO-KS HUD Metro FY2025 80% limit for 4-person household is $89,100. Confirm current program limits with the City.—
City of O'Fallon Down Payment Assistance ProgramO'Fallon · St. CharlesSee programTotal gross household income (members over 18) not to exceed: 1 person $57,800; 2 $66,050; 3 $74,300; 4 $82,550; 5 $89,200; 6 $95,800; 7 $102,400; 8 $109,000 (HUD-established).—
City of Springfield Down Payment Assistance Loan ProgramSpringfield · Greene80% of area median incomeHousehold income at or below 80% of the Springfield Area Median Income (limits change annually).$214,000
City of St. Charles Down Payment Assistance ProgramSt. Charles · St. Charles80% of area median incomeAt or below 80% of HUD area median income; brochure limits: 1 $37,600; 2 $43,000; 3 $48,350; 4 $53,700; 5 $58,000; 6 $62,300 (brochure figures may predate current HUD limits - confirm current-year figures with the City)—
Columbia Community Land Trust (CCLT) Homebuyer ProgramColumbia · Boone80% of area median incomeMust not exceed HUD gross income limits effective June 1, 2026: 1 $65,150; 2 $74,450; 3 $83,750; 4 $93,050; 5 $100,500; 6 $107,950; 7 $115,400; 8 $122,850. Housing costs cannot exceed 35% of monthly household income; total debt cannot exceed 45%.—
FHLBank Des Moines Home$tart80% of area median incomeIncome-eligible owner-occupant households at or below 80% of area median income (size-adjusted)—
FHLBank Des Moines Native American Homeownership Initiative (NAHI)80% of area median incomeIncome-eligible owner-occupant households at or below 80% of area median income (size-adjusted)—
Habitat for Humanity of Kansas City Homebuyer ProgramKansas City · Jackson80% of area median incomePartners with families and individuals who earn up to 80% of area median income (varies by county and household size)—
HomeSTL Homebuyer Assistance ProgramSt. Louis · St. Louis City (independent city)80% of area median incomeHousehold income at or below 80% AMI for the St. Louis HUD area, effective 05/01/2026. By household size: 1: $63,600; 2: $72,650; 3: $81,750; 4: $90,800; 5: $98,100; 6: $105,350; 7: $112,600; 8: $119,900.—
Joplin Homebuyer Assistance Program (J-HAP)Joplin · Jasper120% of area median incomeHousehold annual income must not exceed 120% of the City of Joplin area median income (size-adjusted)—
MHDC First Place Loan - Cash Assistance Loan (CAL)$116,300Gross household income within MHDC limits by area/size; non-target 2026 e.g. Columbia MSA $116,300 (1-2)/$133,745 (3+); All Other Areas $97,100/$111,665.$566,354
MHDC First Place Loan - Non-Cash Assistance Loan$116,300Same First Place income limits (non-target 2026: Columbia MSA $116,300 (1-2)/$133,745 (3+)).$566,354
MHDC Mortgage Credit Certificate (MCC)$116,300Uses First Place income & purchase-price limits (non-target 2026: Columbia MSA $116,300 (1-2)/$133,745 (3+)).$566,354
MHDC Next Step Loan - Cash Assistance Loan (CAL)$139,560Next Step income limits equal MHDC targeted-area limits (2026 e.g. Columbia MSA $139,560 (1-2)/$162,820 (3+); All Other Areas $116,520/$135,940).$692,211
MHDC Next Step Loan - Non-Cash Assistance Loan$139,560Next Step (targeted-area) income limits (2026 e.g. Columbia MSA $139,560 (1-2)/$162,820 (3+)).$692,211
Restore SGF Down Payment AssistanceSpringfield · Greene150% of area median incomeHousehold income must be above 80% and not exceed 150% of Area Median Income (size-adjusted; e.g., 4-person 150% limit = $137,063, effective June 5, 2026)$250,000
Show-Me Central Habitat for Humanity Homeownership ProgramColumbia · Boone60% of area median incomeApplicants generally must earn 30-60% of Boone County median income; selection based on need, ability to pay, and willingness to partner—
St. Charles County HOME Down Payment Loan ProgramSt. CharlesSee programMaximum income limits by household size: 1 person $56,250; 2 $64,300; 3 $72,350; 4 $80,350; 5 $86,800; 6 $93,250.—
St. Joseph Housing Initiative Down Payment AssistanceSt. Joseph · BuchananSee programLow- and moderate-income households (specific limits provided in SJHI 'How to Qualify' form)—
St. Louis County First Home Down Payment LoanSt. Louis80% of area median incomeHousehold income at or below 80% of area median income—
Truman Heritage Habitat for Humanity Homeownership ProgramIndependence · JacksonSee programSelection based on need, ability to repay an affordable mortgage, and willingness to partner (sweat equity); income guidelines set by HUD AMI for the local area—

Questions, answered

What are the income limits for down payment assistance in Missouri?

25 down payment assistance programs in Missouri publish an income limit, a purchase price cap, or both. 14 express the limit as a percentage of the area median income for the county where the home is, and 10 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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