Beyond Housing Down Payment and Closing Cost Assistance Program

Beyond Housing Down Payment and Closing Cost Assistance Program is a forgivable loan for homebuyers in Missouri, administered by Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks). Beyond Housing is a HUD-approved housing counseling agency and a leading provider of down payment assistance in the greater St. Louis region. It administers county/city-funded down payment and closing cost assistance loans for homebuyers in St. Louis County (including City of Florissant), Jefferson County, and St. Charles County (including City of O'Fallon). Assistance is a zero-interest, 5-year forgivable loan with no monthly payments. Zero-interest, 5-year forgivable loan with no monthly payment. Amounts by jurisdiction: up to $7,000 (Jefferson County), up to $8,000 (City of Florissant), up to $7,000 (St. Louis County), up to $10,000 (St. Charles County), up to $10,000 (City of O'Fallon). Eligible DPA amount is set on a sliding income scale. Funding comes from County and city HOME/down payment assistance funds administered by Beyond Housing (St. Louis County, Jefferson County, St. Charles County, City of Florissant, City of O'Fallon).

Beyond Housing Down Payment and Closing Cost Assistance Program offers between $7,000 and $10,000 in assistance. The program can be combined with other assistance, subject to the rules of each. Amounts are the program's published maximums, not an offer — Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks) determines any individual award.

Beyond Housing Down Payment and Closing Cost Assistance Program is forgiven after 5 years, so a homebuyer who stays that long does not repay it. Repayment is triggered by 5-year forgivable loan; repayment owed if home ceases to be owner-occupied / conditions not met during forgiveness period. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Beyond Housing Down Payment and Closing Cost Assistance Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required. Must complete HUD-certified Homebuyer Education and one-to-one homeownership counseling before applying; attendance at a free weekly virtual orientation is the first step. First-time homebuyer required in St. Louis County and Jefferson County (NOT required in St. Charles County, City of O'Fallon, or City of Florissant). Home must pass a first-time homebuyer inspection and cannot be in a flood plain. Closing must be at least 30 days from DPA application. Must use a fixed-rate mortgage. Beyond Housing does NOT offer DPA funds for the City of St. Louis. Income/price limits effective June 1, 2026.

Beyond Housing Down Payment and Closing Cost Assistance Program sets its income limit as follows: Sliding-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). Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Beyond Housing Down Payment and Closing Cost Assistance Program caps the purchase price as follows: Maximum sales price (existing / new construction): St. Louis County incl. Florissant $219,000 / $371,000; St. Charles County incl. O'Fallon $285,000 / $355,000; Jefferson County $226,000 / $329,000.

Beyond Housing Down Payment and Closing Cost Assistance Program serves homebuyers purchasing anywhere in Missouri. The program gives priority to designated target areas, so the address matters as well as the county.

Applications for Beyond Housing Down Payment and Closing Cost Assistance Program go through Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks), which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.