Beyond Housing Down Payment and Closing Cost Assistance Program

Beyond Housing Down Payment and Closing Cost Assistance Program es un préstamo condonable para compradores de vivienda en Missouri, a cargo de 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. Los fondos provienen de 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 ofrece entre $7,000 y $10,000 de ayuda. El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks) determina cualquier ayuda individual.

Beyond Housing Down Payment and Closing Cost Assistance Program se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por 5-year forgivable loan; repayment owed if home ceases to be owner-occupied / conditions not met during forgiveness period. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Beyond Housing Down Payment and Closing Cost Assistance Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Comprador de vivienda por primera vez” suele significar no haber sido dueño de una vivienda en los últimos tres años, pero el programa fija su propia definición. Se requiere un curso de educación para compradores de vivienda. 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 fija su límite de ingresos así: 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). Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Beyond Housing Down Payment and Closing Cost Assistance Program limita el precio de compra así: 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 atiende a compradores de vivienda que compran en cualquier lugar de Missouri. El programa da prioridad a áreas designadas, así que importa la dirección además del condado.

Las solicitudes de Beyond Housing Down Payment and Closing Cost Assistance Program se tramitan a través de Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.