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Home Buyer Down Payment Grants for Single Mothers in Missouri

Home Buyer Down Payment Grants for Single Mothers in Missouri

Last updated: September 2025

This guide is built for single moms in Missouri who want clear steps, real program details, and direct contacts. You’ll see exact amounts, current rules, and practical timelines. When you see a program name, we link you straight to it so you can act fast through the official page.


Before you dive in, remember to verify funding is open at the moment you apply. Programs open and pause when money runs out. Always call or email to confirm today’s status and lender participation.

If you see something that needs a correction, email info@asinglemother.org. We respond within 72 hours.

If You Only Do 3 Things — Emergency Actions to Take

Use these three moves today to stop the biggest delays and line up real money.

  • Check your statewide option first: Prequalify with the [Missouri Housing Development Commission (MHDC) First Place], the [MHDC Next Step] program, and the [MHDC Mortgage Credit Certificate (MCC)] to see your 4% down payment help and tax-credit options right now. (mhdc.com)
  • Book a free housing counselor appointment: Call 1-800-569-4287 or search the [HUD-approved counseling agencies]; pick one that can issue your class certificate needed by lenders and city programs; examples include [Beyond Housing] and [The Housing Partnership] serving the St. Louis area. (hud.gov)
  • Lock a lender who actually does Missouri DPA: Use the [MHDC Lender Locator] to find certified lenders; if you’re in the KC metro, also ask about [Habitat KC’s $10,000 DPA grant] and check local bank credits like [nbkc bank’s DPA offer], then ask each lender to stack DPA + MCC + grant. (mhdc.com)

Quick Help Box — Key Contacts to Keep Handy

Start with these official numbers and pages. Screenshot this.

  • MHDC homebuyer hub: [MHDC Homebuyer Programs] (First Place, Next Step, MCC) and [income and price limits 2025]; call MHDC at 1-816-759-6600 for program status. (mhdc.com)
  • USDA Rural homes — no down payment: [USDA RD Missouri Single-Family Housing] (Section 502), State Office 1-573-876-0976, Home Purchase questions 1-573-876-0990. (rd.usda.gov)
  • Energy crisis help while you house-hunt: [Missouri LIHEAP] application and [PSC Hot/Cold Weather protections]; PSC consumer hotline 1-800-392-4211. (mydss.mo.gov)
  • St. Louis City homebuyer help: [SLDC HomeSTL] (forgivable assistance within the city), [CDA 2025 funding notice], and [CDA main page] for current down payment assistance and repair funds. (developstlouis.org)
  • Free fair-housing help: [Missouri Commission on Human Rights] complaint hotline 1-877-781-4236, [St. Louis Civil Rights Enforcement Agency] intake 1-314-622-3301, and [HUD Missouri portal]. (labor.mo.gov)

What You Need to Know First — Missouri’s Best Statewide Tools

The fastest path to down payment money in Missouri usually runs through MHDC-backed loans with 4% down payment assistance and the federal tax-credit option called MCC. You apply through a participating lender, not the state. Lenders lock your rate and attach forgivable assistance to your first mortgage. Start by comparing the [First Place Loan Program], the [Next Step Program] (higher income limits), and the [MCC tax credit] that can cut your federal tax bill up to $2,000 per year. (mhdc.com)

Both First Place and Next Step currently advertise down payment help equal to 4% of your loan amount as a 100% forgivable second mortgage after the required occupancy period; you can also skip the DPA for an even lower rate. Check the latest flyers and confirm with your lender using the [First Place flyer] and the [Next Step flyer], and verify 2025 income and price caps from MHDC’s official limits sheet. (mhdc.com)

Reality Check: Funding can pause and income limits change every April when HUD updates Area Median Income (AMI). Always ask your loan officer to pull the latest MHDC rate sheet, the correct county limit from the [2025 income & price PDF], and to hold your reservation number once you are under contract. (mhdc.com)

Snapshot Table — Missouri’s Core Statewide Programs

Program What it does Typical assistance Who it’s for Where to apply
MHDC First Place Below-market rate, optional 4% DPA 4% of loan, 100% forgivable second First-time buyers and qualified veterans [MHDC First Place] → lender
MHDC Next Step Below-market rate, optional 4% DPA 4% of loan, 100% forgivable second First-time and repeat buyers with higher income caps [MHDC Next Step] → lender
MCC (Mortgage Credit Certificate) Annual federal tax credit Up to $2,000/year credit; rate up to 45% of mortgage interest First-time buyers and qualified veterans [MHDC MCC] → lender
USDA Section 502 Direct No down payment, payment assistance 33–38 year terms; subsidized payment; 0% down Low and very-low income in USDA-eligible areas [USDA RD Missouri — Single-Family]
FHLB Des Moines Home$tart Bank-delivered grant to borrowers $15,000 grant (first-time); 5-year retention ≤80% AMI, participating member banks [FHLB Des Moines Home$tart]

Each program above has specific rules, occupancy timeframes, and income caps; check the official [MHDC program hub], [2025 MHDC limits], [USDA state contacts], and [FHLB Des Moines guide] before you apply. (mhdc.com)

2025 Income and Price Limits You Must Know

MHDC publishes one-page limits that lenders use to qualify you. Next Step uses the “targeted area” income limits, which are higher. Always verify the right MSA column for your county.

2025 — Key caps from MHDC Non‑Targeted (1–2 persons) Non‑Targeted (3+ persons) Targeted/Next Step (1–2 persons) Targeted/Next Step (3+ persons) 1‑Family Max Price (Non‑Targeted) 1‑Family Max Price (Targeted/Next Step)
Kansas City MSA $111,400 $128,110 $126,960 $155,960 $544,232 $665,173
St. Louis MSA $111,400 $128,110 $126,960 $155,960 $544,232 $665,173
Columbia MSA $105,800 $121,670 $115,200 $148,120 $544,232 $665,173
Jefferson City MSA $105,000 $120,750 $133,680 $147,000 $544,232 $665,173
All Other Areas $96,000 $110,400 $126,000 $134,400 $544,232 $665,173

Source: [MHDC 2025 Income and Purchase Price Limits PDF] (effective April 2025). Confirm which counties are included in each MSA, and note listed exclusions on the PDF. (mhdc.com)

What to do if this doesn’t work: If you’re just above the income cap, ask your lender about using the [MCC option] without DPA, a smaller co‑borrower mix, or a different property location that falls under a more favorable MSA limit. Also ask about [USDA 502 Direct] if your target area is USDA‑eligible and you meet the income rules. (mhdc.com)

Step‑by‑Step — How to Apply Without Getting Stuck

  • Get mortgage‑ready with a HUD counselor: Book your class and one‑on‑one session through [HUD’s counseling locator] or call 1‑800‑569‑4287. In St. Louis, [Beyond Housing] and [The Housing Partnership] issue the certificates city and county programs require. In Columbia, [Love Columbia] offers HUD classes and counseling with a posted schedule. (hud.gov)
  • Pick an MHDC‑certified lender and ask to stack programs: Use the [MHDC Lender Locator] to shortlist loan officers who close First Place/Next Step and MCC often. Ask if they can also reserve an [FHLB Des Moines Home$tart] grant through their bank and whether they work with your city’s DPA. (mhdc.com)
  • Get preapproved and request the MHDC DPA add‑on: Have your lender price both “with 4% DPA” and “no DPA with lower rate.” Review the [First Place flyer] and [Next Step flyer] with your loan officer and get it in writing which version you’ll use. (mhdc.com)
  • Shop a home inside program limits: Verify your county cap on the [2025 MHDC limits sheet] and confirm the address is [USDA‑eligible] if you consider 502 Direct. In Springfield or Columbia, confirm the home is in city limits to qualify for local DPA. (mhdc.com)
  • Reserve funds early once you’re under contract: Your lender locks the MHDC loan rate and reserves the DPA. If you’re using a city program (like [HomeSTL in St. Louis City] or [Springfield Down Payment Assistance]), submit your packet immediately—city staff often need 30 days. Columbia officially asks lenders to allow about 30 days for review after a “completed application.” (developstlouis.org)
  • Close and keep every document: Bring your HUD class certificate, income docs, final loan estimate, and any city approval letter. Ask for copies of your DPA note and forgiveness schedule. Keep your [MCC paperwork] with your tax records. (mhdc.com)

What to do if this doesn’t work: If your lender can’t stack programs or is slow, switch to a certified lender from the [MHDC Lender Locator] and call a HUD counselor to pivot your plan. If city DPA funds are frozen, ask about [FHLB Home$tart] through your bank and whether your [USDA 502 Direct] case could close faster. (mhdc.com)

Real Timelines You Should Expect

Task Typical timing Source/Notes
HUD class + counseling 1–2 weeks to schedule; certificate same day [HUD counseling]; local providers like [Love Columbia] post class dates
MHDC preapproval (with DPA) 24–72 hours once docs received Varies by lender; use [MHDC lender list]
City DPA staff review 10–30 business days once packet complete [Columbia lender guidance] says allow ~30 days; many cities similar
Joplin JHAP2 review About 4 weeks for application; ~2 weeks property approval [JHAP info]; availability fluctuates
Closing after clear-to-close 3–10 business days Lender and title company timelines

Always ask your lender and any city staff to email you a date‑stamped checklist and an estimated closing date after “conditions met.” That keeps everyone accountable. Check program pages: [MHDC hub], [Columbia HOA program], and [Joplin buyer resources] for current timelines. (mhdc.com)

What to do if this doesn’t work: If your city DPA cannot meet your closing date, ask your lender to switch you to the [MHDC DPA only] or remove DPA for a lower rate and close, then use an [MCC] to offset taxes later. If a grant times out, ask the lender to re‑reserve as soon as funds reopen. (mhdc.com)

Application Checklist — Print or Screenshot

Mark these off as you gather them. Give your lender and any city program all items at once to avoid restarts.

  • Photo ID and Social Security cards: Driver’s license or state ID; Social Security cards for adults; ask your [HUD counselor] how to handle missing cards.
  • Income proof: Last 30 days of pay stubs, last 2 years W‑2s/1099s, and most recent 2 months of full bank statements; see [MHDC program page] for lender standards and keep files named by date.
  • Child support or alimony docs: Court orders and proof of receipt or non‑receipt; discuss with your [lender] how these count toward qualifying.
  • Down payment gift letter: If receiving help from family or church, get the lender’s gift letter form; ask your [HUD counselor] to review it before you sign.
  • HUD education certificate: Print the certificate from your [HUD class] provider; some cities (like [Columbia] and [St. Louis City] via partners) require it before approval.
  • Executed sales contract: Signed by all parties with all addenda; your [city DPA program] needs this to reserve funds.
  • Homeowner’s insurance quote: Needed for final approval; ask your [lender] for coverage minimums and effective date.
  • Any city‑specific forms: Upload exactly what your city program lists; examples include [Columbia’s lender portal items] and [Springfield’s buyer guide].

Stacking Local and Regional Help — City and County Programs That Matter

Below are Missouri programs that single moms use most often to fill the down payment gap. Local rules vary. Call to confirm funding today and confirm whether your lender must apply on your behalf.

St. Louis City — HomeSTL and Partner‑Delivered DPA

HomeSTL is the city’s homebuyer assistance program run by SLDC. It provides a 0% interest, forgivable loan you can use for down payment, closing costs, permanent rate buydown, prepaids, or principal reduction. You must be a first‑time buyer purchasing in the city; additional help may be available in HUD Qualified Census Tracts. The program is slated to accept loans until funds are used or by December 31, 2026, whichever comes first, and assistance is delivered through approved lenders. Start at the [HomeSTL page] and read SLDC’s lender announcement for current lender list and timing. (developstlouis.org)

St. Louis City’s Community Development Administration announced 2025 CDBG/HOME awards include homeownership assistance dollars that fund nonprofits and city initiatives (for down payment help and repairs). Check the 2025 notice and call CDA for intake routes to partners like Beyond Housing and The Housing Partnership. Contact CDA at 1-314-657-3700 and see the [2025 CDA funding highlights] and [CDA main page]. (stlouis-mo.gov)

What to do if this doesn’t work: If HomeSTL or a city partner is out of funds, ask your lender to use [MHDC First Place or Next Step] with [MCC] and check bank‑level grants (e.g., ask about [Home$tart] through your member bank). (mhdc.com)

St. Louis County — HOME Consortium DPA (County + Florissant)

The St. Louis County HOME Consortium operates down payment loans to income‑eligible first‑time buyers. As of August 2025, St. Louis County increased its standard DPA loan from 3,000to3,000 to 6,000 and the City of Florissant increased from 3,500to3,500 to 5,000. Call the County Office of Community Development at 1-314-615-4405 and confirm current availability and which nonprofit partner will process your file. Start by reviewing county contacts and the recent funding change report in the [St. Louis American article], then call to confirm. (st.stlouiscountymo.gov)

If you can’t load program pages due to the county site’s translation tool, use the posted main number and ask for the “First Home Down Payment Loan” page or email link. The county program and county [Human Services contacts] list the same St. Ann address and business hours if you need to go in person. (de.stlouiscountymo.gov)

What to do if this doesn’t work: If county DPA is paused, use [MHDC] with an [MCC], or ask a partner nonprofit like [Beyond Housing] or [The Housing Partnership] if they still have county funds to deploy. (mhdc.com)

Kansas City Metro — Habitat Grant and Lender Credits

Kansas City, Missouri does not advertise a standing citywide DPA for buyers today, but the metro has strong alternatives. [Habitat for Humanity KC] runs a 10,000downpaymentgrantforfirst‑timebuyersunder8010,000 down payment grant for first‑time buyers under 80% AMI in Jackson, Platte, and Clay counties (MO side). This is a grant, not a loan. Also ask local lenders about small DPA credits; for example, *[nbkc bank]* announced up to 2,000 toward down payment and $1,000 toward closing costs for eligible borrowers in the KC metro in 2025. Keep an eye on the City’s [Housing & Community Development page] for repair and other owner resources that can help you after closing. (habitatkc.org)

What to do if this doesn’t work: Use [MHDC First Place or Next Step] and ask your lender about [FHLB Home$tart]. If you are buying in a rural fringe area, compare [USDA 502 Direct], which requires no down payment. (mhdc.com)

Columbia and Boone County — City HOA Program

Columbia’s Homeownership Assistance Program provides 10,000–10,000–20,000 as a 10‑year forgivable, 0% loan for down payment and closing costs on homes within city limits. 2025 income limits are posted (e.g., 84,650forafamilyoffour),buyersmustcontributeatleast84,650 for a family of four), buyers must contribute at least 500 in cash, and city staff ask lenders to allow about 30 days for a completed application to be reviewed. Start at the [City of Columbia HOA page], read the [lender guidance on timelines and required uploads], and line up your [HUD class through Love Columbia]. (como.gov)

What to do if this doesn’t work: If HOA funds are out, ask your lender to proceed with [MHDC DPA + MCC] and check if a participating bank can reserve [Home$tart]. (mhdc.com)

Springfield and Greene County — City DPA Up to $9,000

The City of Springfield offers a 0% interest, no‑payment DPA loan up to $9,000, forgivable over 10 years for homes within city limits (price caps apply; confirm current cap on the official page). Call Community Development at 1-417-864-1031 and review the [Springfield DPA page] and the broader [Home Buyer Assistance Programs page] for related options like Habitat Springfield and the Springfield Community Land Trust. (springfieldmo.gov)

What to do if this doesn’t work: Ask your lender to pivot to [MHDC] and price the loan with and without DPA. Also ask whether your bank can reserve [FHLB Home$tart] funds. (mhdc.com)

Joplin — JHAP2 (Status Varies; Check Before You Shop)

Joplin’s JHAP2 used American Rescue Plan funds to provide up to 40,000inforgivableassistancetoward2040,000 in forgivable assistance toward 20% down payment plus closing costs, modeled after the post‑tornado program. The city site currently notes JHAP2 applications are not being accepted “at this time,” and another city page references up to 30,000 for earlier phases. Read the city’s [JHAP2 status page], the [Resources for Homebuyers page], and the [local news coverage] for details, then email the city to confirm whether and when new rounds will open. (joplinmo.org)

What to do if this doesn’t work: Use [MHDC] through a lender right away. Ask your bank about [Home$tart] and verify whether [USDA 502 Direct] applies if your home is in an eligible area. (mhdc.com)

St. Charles — City‑Backed DPA via Nonprofits

The City of St. Charles runs a DPA program delivered through nonprofits. You apply through agencies like [Better Family Life], [Beyond Housing], or [The Housing Partnership], and the city provides 0% down payment loans to eligible buyers. Start at the [St. Charles DPA page] and call agencies listed there to check funding windows. (stcharlescitymo.gov)

Local Organizations, Charities, Churches, and Support Groups That Actually Help

For most moms, pairing a statewide option with a local partner gets you across the finish line faster. These groups offer counseling, DPA, or post‑purchase support. Call first to verify money is available this month.

  • St. Louis City/County: [Beyond Housing] (DPA and HUD counseling), [The Housing Partnership] (DPA across several jurisdictions), and [St. Louis CDA] (city funding hub and referrals). (homebuyerhelpstl.com)
  • Kansas City Metro: [Habitat KC] ($10,000 DPA grant), [KCMO Housing Department] (home repair programs), and lender‑level help like [nbkc bank’s DPA credits]. (habitatkc.org)
  • Columbia/Boone County: [Love Columbia] (HUD classes and counseling) and the [City HOA program] (DPA up to $20,000). (lovecolumbia.org)
  • Springfield/Greene County: [City of Springfield DPA] and [Housing Assistance overview]; also ask [OACAC Housing] about rental help if you need a bridge. (springfieldmo.gov)
  • Statewide and Rural: [USDA RD Missouri] for no‑down‑payment options, [HUD counseling locator] to find a trusted local agency, and [FHLB Des Moines Home$tart] through participating banks. (rd.usda.gov)

What to do if this doesn’t work: If phones are busy, dial [Missouri 2‑1‑1] to find backup housing nonprofits near you, and ask for agencies that issue HUD class certificates and run DPA. You can also use [HUD Missouri portal] to find statewide contacts. (unitedwaycemo.org)

How to Stop a Utility Shutoff in Missouri Today

  • Call your energy company and request a payment plan under state protections: The [Cold Weather Rule] runs Nov 1–Mar 31, and the [Hot Weather Law] runs Jun 1–Sep 30, limiting shutoffs in extreme temperatures. Call the Missouri PSC consumer hotline at 1‑800‑392‑4211 if the utility refuses a plan. (psc.mo.gov)
  • Apply for crisis energy help right now: [LIHEAP] crisis (ECIP) runs winter and summer when funding is available; current maximums are posted on the state site (e.g., up to 800winterECIPandupto800 winter ECIP and up to 300 summer ECIP). Expect about 30 business days for non‑crisis processing; crisis cases can move faster. (mydss.mo.gov)
  • Get local agency help if you’re in KC or mid‑Missouri: In KC area counties, [MAAC LIHEAP] posts where to submit packets and offers weekly in‑person hours; in Columbia‑area counties, [CMCA LIHEAP] posts contact numbers and timelines. Call to confirm current hours. (maacliheap.org)

What to do if this doesn’t work: Ask PSC staff to log a complaint and request a supervisor callback from your utility the same day. If you need a cool‑down space while waiting, dial [2‑1‑1] for cooling centers. (unitedwaycemo.org)

Common Mistakes to Avoid

  • Skipping the HUD class until the end: Many city and bank grants require a certificate dated before your DPA approval. Book early through [HUD’s locator], [Beyond Housing], or [Love Columbia]. (hud.gov)
  • Shopping above program caps: Check the [2025 MHDC price limits] and your city’s purchase price caps (e.g., [Springfield] caps and target map) before touring. (mhdc.com)
  • Not asking lenders to stack assistance: Demand scenarios with and without the 4% DPA and ask if the bank can reserve [FHLB Home$tart]. Confirm your [MCC] eligibility. (fhlbdm.com)
  • Waiting to reserve funds: For programs like [HomeSTL] or local DPA, reservations are first‑come. Get your lender and agency to submit the same week you go under contract. (developstlouis.org)
  • Assuming KC has a standing city DPA: Focus on [MHDC], [Habitat KC $10,000], and lender credits like [nbkc bank] in the KC metro. (mhdc.com)

Reality Check — Funding, Wait Times, and Denials

  • Funding windows: City and county DPA can pause without much notice. St. Louis City’s [CDA awards] and [HomeSTL] updates are public, but lenders hear about pauses first—so keep close to your loan officer. (stlouis-mo.gov)
  • Wait times: Columbia posts ~30 business days for complete DPA files; Joplin’s JHAP outlined ~4 weeks to review applications and ~2 weeks for property approval. Build that into your contract. (como.gov)
  • Denials: Most denials are paperwork issues (missing pay stubs, unverified gifts) or going over income caps. Use the [MHDC 2025 limits] and ask your HUD counselor to pre‑screen your file. (mhdc.com)

Quick Reference Cheat Sheet

Situation Who to call or click What to say
Want 4% DPA statewide [MHDC First Place/Next Step] or your lender from the [Lender Locator] “Please price my loan with 4% DPA and without DPA, and check MCC.”
Need a tax credit to lower taxes [MHDC MCC page] “Confirm MCC availability and include the MCC fee on my loan estimate.”
Buying in St. Louis City [HomeSTL page] or [CDA office] 1‑314‑657‑3700 “Is funding open? Which lenders are approved this month?”
Buying in KC metro [Habitat KC DPA] and your lender “Can you stack Habitat grant with MHDC DPA?”
Rural home, lower income [USDA RD Missouri 502 Direct] “Am I eligible for 502 Direct? What’s the current interest and area limits?”

Table — City and County Programs at a Glance

Area Program Typical Amount Forgiveness Key Requirements Where to start
St. Louis City HomeSTL Varies; forgivable loan Up to 15 years First‑time buyer; city limits; HUD class [HomeSTL] / [CDA]
St. Louis County HOME Consortium DPA 6,000county;6,000 county; 5,000 Florissant (as of Aug 2025) Deferred/forgivable loan First‑time buyer; income caps [County OCD contact]
Kansas City metro Habitat KC Grant Up to $10,000 grant Grant, no repayment ≤80% AMI; first‑time buyer [Habitat KC DPA]
Columbia City HOA 10,000–10,000–20,000 Forgiven over 10 years First‑time; city limits; $500 buyer funds [Columbia HOA]
Springfield City DPA Up to $9,000 Forgiven over 10 years First‑time; city limits [Springfield DPA]
Joplin JHAP2 Up to $40,000 (status varies) Forgivable First‑time; city home; program window [JHAP2 updates]

Citations: [HomeSTL], [CDA highlights], [St. Louis American County DPA update], [Habitat KC DPA], [Columbia HOA], [Springfield DPA], [JHAP pages]. (developstlouis.org)

Other Funds You Can Stack

  • **FHLB Des Moines Hometartgrants∗∗:ManyMissouribankscanrequesttart grants**: Many Missouri banks can request 15,000 per eligible first‑time buyer; funds release in quarterly waves. Ask your loan officer to check current availability. Read the [Home$tart page] and [product guide] for rules and retention. (fhlbdm.com)
  • USDA 502 Direct for rural buyers: No down payment, subsidized payment, and 33–38 year terms for low‑income households in eligible areas. Start with the [Missouri USDA RD page] and the [502 Direct Missouri page] and call 1‑573‑876‑0990 for the home purchase team. (rd.usda.gov)
  • MCC tax credit: Up to $2,000 per year tax credit based on a percentage of mortgage interest. Ask your lender to reserve an [MCC] early so it appears in your closing package. (mhdc.com)

What to do if this doesn’t work: If your bank isn’t an FHLB member, ask about other lender credits or switch to a member bank that offers [Home$tart]. Keep [MHDC MCC] as a backstop to reduce your annual tax bill. (fhlbdm.com)

County‑by‑County Variations You Should Know

  • Income and purchase caps: MHDC caps change by MSA and whether your area is “targeted.” Next Step uses targeted limits statewide. Read the [2025 MHDC limits] and ask your lender to cite the exact line used. (mhdc.com)
  • St. Louis County: Amounts were increased in August 2025 to 6,000county‑wideand6,000 county‑wide and 5,000 in Florissant. Always call [OCD at 1‑314‑615‑4405] to confirm. (stlamerican.com)
  • Springfield: The DPA amount is posted as up to $9,000 and only within city limits; some pages show varying price caps—call staff to confirm which cap applies to your address. Start at the [official DPA page] and ask for Melissa Barton. (springfieldmo.gov)
  • Joplin: JHAP2 rounds can close and reopen; some pages and news show 30,000whilethecurrentroundhighlighted∗upto30,000 while the current round highlighted *up to 40,000* before pausing. Confirm on the [city page] before writing an offer. (joplinmo.org)

Documents You’ll Need — At a Glance Table

Document Why it matters Who needs it
HUD class certificate Required by most city DPA and often by banks Everyone using DPA; safer to get it early
Last 30 days of pay stubs Income calculation and MHDC eligibility All employed borrowers
2 years W‑2s/1099s Income verification and underwriting All borrowers
2 months bank statements Asset and gift tracking All borrowers
Executed purchase contract Triggers DPA reservation All borrowers using DPA
Gift letter and proof Makes gift funds usable Anyone receiving gift funds
City‑specific forms Lets city staff underwrite your file City DPA users

Tie every document back to the program’s posted rules: [MHDC homebuyer hub], [Columbia lender page], [Springfield buyer guide], and your lender’s conditions list. (mhdc.com)

Troubleshooting — If Your Application Gets Denied

  • Income too high: Ask your lender to switch to [Next Step] or remove non‑occupant co‑borrowers; check if buying in a “targeted area” raises the cap on the [MHDC limits sheet]. (mhdc.com)
  • Credit score below 640: Many MHDC loans require 640. Ask your HUD counselor for a 30‑day plan and see if [USDA 502 Direct] (manual underwrite) is possible while you raise your score. (mhdc.com)
  • Program out of funds: Ask your lender to reserve [Home$tart] through a participating bank or proceed with [MCC] alone for tax savings and lower payment impact. (fhlbdm.com)
  • Fair‑housing concern: If you suspect discrimination, call the [Missouri Commission on Human Rights] hotline at 1‑877-781-4236 and the [HUD fair housing line via HUD Missouri]. In St. Louis City, you can also contact the [Civil Rights Enforcement Agency]. (labor.mo.gov)

Diverse Communities — Tailored Paths and Protections

LGBTQ+ single mothers: Ask your housing counselor to document any name changes and ensure your lender uses your correct legal and chosen names on disclosures. If you face bias, file with the [Missouri Commission on Human Rights] and also report to [HUD fair housing]. For local community connections while you shop, dial [2‑1‑1] for inclusive services and legal clinics. Accessibility note — request all documents in email and ask lenders for e‑sign set‑ups to reduce in‑office visits. (labor.mo.gov)

Single mothers with disabilities or disabled children: Ask for reasonable accommodations in writing from your lender, city DPA office, and real estate agent. If you are denied accessible formats or sign‑language support, contact the [Missouri DSS Office for Civil Rights] and the [Missouri Commission on Human Rights]. For energy‑related medical protections or shutoff delays during medical crises, speak with the [Missouri PSC Consumer Services] line. Accessibility notes — “call for large‑print applications,” “TTY 711 or 1-800-735-2966,” and ask for interpreter services. (dss.mo.gov)

Veteran single mothers: You can pair a VA loan with [MHDC DPA options] or with a bank grant like [Home$tart]. If you have a service‑connected disability, ask your lender about property tax relief in your county and check for VA funding‑fee reductions. Get counseling through [HUD counseling] to verify stacking rules and best sequencing. (mhdc.com)

Immigrant and refugee single moms: Many programs accept permanent residents and certain visa types—ask your lender to confirm the correct documentation list. If a program denies you based on national origin or language, contact the [Missouri Commission on Human Rights] and your [local HUD office page]. Use [2‑1‑1] for translation‑friendly agencies; ask for a bilingual counselor. (labor.mo.gov)

Tribal citizens and Native buyers: In addition to [MHDC] or [USDA] options, member banks can access [FHLB Des Moines NAHI] grants (currently $25,000 per eligible household through participating banks). Some tribes administer housing help through their housing authority; ask your tribe about NAHASDA‑funded programs if you live or plan to live in the service area. (fhlbdm.com)

Rural single moms with limited access: If your target area is USDA‑eligible, compare [USDA 502 Direct] (no down payment, subsidized payment) to [MHDC Next Step] based on your income and commute needs. Use [HUD counseling] by phone if you can’t travel; ask for a mailed packet. (rd.usda.gov)

Single fathers: All programs here are gender‑neutral. Fathers can use [MHDC], [MCC], and local DPA on the same terms. If you need parenting‑time documentation for underwriting, a HUD counselor can help you prepare it. (mhdc.com)

Language access: Request translation and interpreter services at every step. [HUD counseling] agencies offer multilingual assistance; state agencies and utilities accept Relay 711. If a public office refuses language access, contact the [Missouri DSS OCR] or [MCHR]. (hud.gov)

What to do if this doesn’t work: Document refusals and call the [MCHR hotline] and [HUD] to lodge complaints and get rapid referrals. Ask your lender for a different closer or a different title office with interpreter support. (labor.mo.gov)

Resources by Region — Who to Call First

Region First calls to make Why
St. Louis City [HomeSTL], [CDA] 1‑314‑657‑3700, [Beyond Housing] City‑specific DPA plus counseling and classes
St. Louis County [County OCD] 1‑314‑615‑4405, [The Housing Partnership], [Beyond Housing] County HOME DPA and partner delivery
Kansas City Metro [Habitat KC], [KCMO Housing Dept] 1‑816‑513‑3200, your [MHDC lender] Grant + lender + post‑purchase repair
Columbia/Boone [Columbia HOA] 1‑573‑874‑7288, [Love Columbia], [MHDC lender] City DPA + required classes
Springfield/Greene [Springfield DPA] 1‑417‑864‑1031, [Springfield Housing Programs], [MHDC lender] City DPA + local land trust options
Joplin/Jasper [JHAP2 page], [Joplin buyer resources], [MHDC lender] Program status + alternatives

Citations: [SLDC HomeSTL], [CDA], [County OCD], [Habitat KC], [KCMO Housing], [Columbia HOA], [Springfield DPA], [JHAP2], [MHDC Lender Locator]. (developstlouis.org)

Missouri‑Specific FAQs (10)

  1. How much does MHDC actually give me for down payment: MHDC shows 4% of the first mortgage amount as a 100% forgivable second mortgage if you meet occupancy requirements. Confirm your options and rate trade‑offs using the [First Place flyer] and [Next Step flyer]. (mhdc.com)
  2. What’s the difference between First Place and Next Step: First Place targets first‑time buyers and qualified veterans, while Next Step allows repeat buyers and uses higher “targeted area” limits statewide. Both can pair with DPA or run “no DPA” for a lower rate. Compare on the [MHDC program pages] and verify [2025 limits]. (mhdc.com)
  3. What is an MCC and why should I care: A Mortgage Credit Certificate lets you claim a federal tax credit up to $2,000 per year based on a portion of your mortgage interest. It works even if you use DPA. Read the [MHDC MCC page] and save the flyer for tax prep. (mhdc.com)
  4. I live outside big metros — can I still get help: Yes. Use [USDA 502 Direct in Missouri] for no down payment, and ask your bank about [Home$tart] grants if they’re a member bank. Combine with [MHDC MCC] if it pencils out. (rd.usda.gov)
  5. How fast do city programs move: Columbia asks for ~30 days for a complete file; Joplin’s JHAP listed ~4 weeks for application review and ~2 weeks for property review; St. Louis City funding runs until money is used. Verify dates on [Columbia lender info], [Joplin pages], and [HomeSTL]. (como.gov)
  6. What if I get a shutoff notice while under contract: Use the [Cold Weather Rule] or [Hot Weather Law] protections and apply for [LIHEAP] crisis. Ask your lender for a letter confirming your pending home purchase if needed to keep service on. (psc.mo.gov)
  7. Can I use DPA with a VA loan: Yes in Missouri. MHDC indicates First Place/Next Step work with FHA, VA, USDA, and conventional. Verify with your lender and compare with [MCC]. See the [MHDC flyers] for allowable loan types. (mhdc.com)
  8. Is there help in St. Louis County right now: The county announced increases (county to 6,000;Florissantto6,000; Florissant to 5,000). Call [OCD 1‑314‑615‑4405] and confirm today’s intake route and partner. Read the local coverage and verify with staff. (stlamerican.com)
  9. Does Kansas City have a city DPA: The city focuses on home repair and other housing tools rather than a standing DPA. Use [Habitat KC $10,000] and [MHDC]; also ask lenders about credits like [nbkc bank]. Check the [KCMO Housing page] for current programs. (habitatkc.org)
  10. How do I find a trustworthy counselor: Use [HUD’s counseling locator] or call 1‑800‑569‑4287. In St. Louis, [Beyond Housing] and [The Housing Partnership] are active DPA partners; in Columbia, check [Love Columbia]. (hud.gov)

Tables — Program Timelines, Funding, and Contacts

Table — Typical Wait Times and Who Controls Them

Step Who controls it Typical time How to speed it up
HUD class scheduling Counseling agency 1–2 weeks Book now via [HUD locator]; ask about virtual class
MHDC loan preapproval Lender 1–3 days Upload complete docs; accept e‑consents on day 1
City DPA review City/partner nonprofit 10–30 business days Submit full packet; ask for checklist; follow up weekly; see [Columbia lender guidance]
FHLB Home$tart reservation Bank Depends on funding wave Ask your bank to check real‑time balance on [Home$tart]

Citations: [HUD locator], [Columbia lender page], [FHLB Home$tart]. (hud.gov)

Table — Energy Help While You Shop

Program What it does When Contact
LIHEAP Pays part of your energy bill; crisis help available Year‑round by component [LIHEAP Missouri]
Cold Weather Rule Limits shutoffs when it’s at/below 32°F Nov 1–Mar 31 [Missouri PSC CWR]
Hot Weather Law Limits shutoffs during dangerous heat Jun 1–Sep 30 [Missouri PSC Hot Weather]

Citations: [LIHEAP], [PSC CWR], [PSC Hot Weather]. (mydss.mo.gov)

Table — Where to Complain if Treated Unfairly

Issue Where to file Phone
Housing discrimination (state) [Missouri Commission on Human Rights] 1‑877‑781‑4236
Housing discrimination (St. Louis City) [Civil Rights Enforcement Agency] 1‑314‑622‑3301
Utility shutoff issue [Missouri PSC Consumer Services] 1‑800‑392‑4211

Citations: [MCHR], [CREA St. Louis], [PSC]. (labor.mo.gov)

Final Tips That Save Time and Money

  • Price two ways: Ask for a scenario with MHDC 4% DPA and a “no DPA, lower rate” scenario. Many moms close faster with no DPA and then use an [MCC] to lower taxes. Keep copies of the [MHDC flyers] in your files. (mhdc.com)
  • Ask about bank grants: Even 1,000–1,000–3,000 helps. In KC, an example is [nbkc bank]; statewide, ask about [Home$tart] at member banks. (nbkc.com)
  • Use city programs when you can: [HomeSTL], [Columbia HOA], and [Springfield DPA] can reduce cash due at closing by thousands, but they need more time. Submit early. (developstlouis.org)

What to do if this doesn’t work: Keep three active paths: [MHDC DPA or no‑DPA], a [bank grant], and a [city DPA]. If one stalls, you still close. (mhdc.com)

Spanish Summary — Resumen en Español

Este resumen fue producido con herramientas de IA para ayudarle a comenzar rápidamente. Verifique los detalles y los montos en las páginas oficiales antes de aplicar.

  • Programas estatales de Missouri: [MHDC First Place], [MHDC Next Step] y [MCC] ofrecen tasas bajas y hasta el 4% para el enganche como segundo préstamo perdonable. Confirme límites 2025 con la hoja oficial de [MHDC]. (mhdc.com)
  • Ciudades clave: En St. Louis, [HomeSTL] ofrece ayuda perdonable; en Columbia, el [HOA] da 10,000–10,000–20,000; en Springfield, el [DPA] llega hasta $9,000; en Joplin, [JHAP2] varía y puede estar cerrado temporalmente. Llame para confirmar disponibilidad. (developstlouis.org)
  • Áreas rurales: Revise [USDA 502 Direct en Missouri] sin pago inicial; combine con [Home$tart] si su banco es miembro. (rd.usda.gov)
  • Asesoría gratuita: Busque agencias aprobadas por [HUD] (1‑800‑569‑4287) para clases y consejería antes de aplicar. Para ayuda de servicios sociales, marque [2‑1‑1]. (hud.gov)

About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

  • [Missouri Housing Development Commission — Homebuyer Programs]
  • [MHDC — 2025 Income & Purchase Price Limits (PDF)]
  • [SLDC — HomeSTL Homebuyer Assistance]
  • [City of Columbia — Homeownership Assistance Program]
  • [Springfield, MO — Down Payment Assistance]
  • [St. Louis County — Human Services/OCD contact and updates in local news]
  • [USDA Rural Development — Missouri State and 502 Direct]
  • [FHLB Des Moines — Home$tart and NAHI]
  • [HUD — Housing Counseling and Missouri portal]
  • [Missouri PSC — Cold/Hot Weather protections]

Last verified September 2025, next review January 2026.

We produce this guide under our Editorial Standards using only official sources, update it regularly, and monitor changes. We are not a government agency and this is not a substitute for official guidance. Individual outcomes vary and cannot be guaranteed.

Please note that despite our careful verification process, errors may still occur — email info@asinglemother.org with corrections and we respond within 72 hours.

Disclaimer

This guide is for educational purposes only. You must confirm all program terms, amounts, interest rates, and deadlines directly with the agency or lender before you apply or sign anything. Assistance programs can close without notice when funds run out. Always read your Loan Estimate, DPA Note, and MCC disclosures; ask questions until you understand each cost and condition. For legal or tax advice, speak with a licensed attorney or tax professional.

Sources cited

Key figures and rules in this guide come from official program pages and notices, including MHDC program flyers and 2025 limits, city DPA pages, USDA RD statewide information, FHLB Des Moines down payment programs, HUD counseling resources, and Missouri PSC and LIHEAP updates. For example: [MHDC First Place flyer] and [Next Step flyer] show 4% forgivable DPA; [MHDC 2025 limits] detail income and price caps; [Columbia HOA] posts 10,000–10,000–20,000 and timelines; [Springfield DPA] shows up to 9,000;∗[SLDCHomeSTL]∗outlinescityassistance;∗[JHAP2pagesandnews]∗showupto9,000; *[SLDC HomeSTL]* outlines city assistance; *[JHAP2 pages and news]* show up to 40,000 with status changes; [USDA 502 Direct Missouri] lists current interest rate and contact; [FHLB Home$tart/NAHI] post 2025 grant amounts; [LIHEAP] and [PSC] describe crisis help and shutoff protections. (mhdc.com)

Note on accessibility and language

Ask every office for ADA accommodations, large‑print forms, TTY/711, and interpreter services. City, county, and state agencies must provide reasonable accommodations. If you encounter barriers, contact [Missouri DSS OCR] and [Missouri Commission on Human Rights]. (dss.mo.gov)

End of guide.

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