Beyond Housing Down Payment and Closing Cost Assistance Program

Beyond Housing Down Payment and Closing Cost Assistance Program是面向Missouri购房者的可免除贷款，由Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks)管理。 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. 资金来自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提供$7,000至$10,000的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks)决定。

Beyond Housing Down Payment and Closing Cost Assistance Program在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：5-year forgivable loan; repayment owed if home ceases to be owner-occupied / conditions not met during forgiveness period. 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Beyond Housing Down Payment and Closing Cost Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程。 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的收入限制如下：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). 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Beyond Housing Down Payment and Closing Cost Assistance Program的房价上限如下：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服务于在Missouri任何地方购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

Beyond Housing Down Payment and Closing Cost Assistance Program的申请通过Beyond Housing (HUD-approved nonprofit housing counseling agency / NeighborWorks)办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。