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City of Lee's Summit First Time Homebuyer Program

City of Lee's Summit, Development Services (CDBG) · Lee's Summit, Missouri

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Assistance

$3,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is City of Lee's Summit First Time Homebuyer Program?

City of Lee's Summit First Time Homebuyer Program is a grant for homebuyers in Lee's Summit, Missouri, administered by City of Lee's Summit, Development Services (CDBG).

  • A collaboration between the City of Lee's Summit and area mortgage lenders that uses CDBG funds to provide first-time homebuyers a grant of up to $3,000 - covering up to 50% of the required down payment and/or closing costs - toward purchasing a home within the Lee's Summit city limits.
  • Up to $3,000 grant (no repayment).
  • Covers up to 50% of down payment plus closing costs.
  • Paid directly at closing.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from HUD Community Development Block Grant (CDBG) Entitlement funds.

How much assistance does it provide?

City of Lee's Summit First Time Homebuyer Program offers up to $3,000 in assistance.

  • Award tiers: Funds 50% of any down payment up to $3,000 and/or closing-cost assistance, combined total not to exceed $3,000.
  • The program can be combined with other assistance, subject to the rules of each.
  • Amounts are the program's published maximums, not an offer — City of Lee's Summit, Development Services (CDBG) determines any individual award.

Do you have to pay it back?

City of Lee's Summit First Time Homebuyer Program is structured as a grant, so it is not repaid.

  • Repayment is triggered by Grant - no repayment; paid directly to the mortgage lender or title company at closing.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Lee's Summit First Time Homebuyer Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Must not have owned a home in the past three years
  • The home is occupied as a primary residence
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. STATUS CAUTION: The City's current CDBG page states 'CDBG funding is not eligible for individuals' and lists only nonprofit subrecipients; the direct-to-buyer First Time Homebuyer grant is still described by the Lee's Summit Human Services Advisory Board but may have been restructured/discontinued. Verify current availability by calling (816) 969-1200 before referring buyers.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

City of Lee's Summit First Time Homebuyer Program limits household income to 80% of the area median income, which varies by county and household size.

  • Low-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.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Lee's Summit First Time Homebuyer Program can be used for Single Family.

Where does it apply?

City of Lee's Summit First Time Homebuyer Program is a federal program, so it is not limited to Missouri.

How do you apply?

Applications for City of Lee's Summit First Time Homebuyer Program go through City of Lee's Summit, Development Services (CDBG), which publishes the current terms and the application steps on its own site.

  1. Contact City of Lee's Summit, Development Services (CDBG) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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