Missouri First-Time Home Buyer Programs of 2021

NerdWalletJan 1, 2021
Missouri First-Time Home Buyer Programs of 2018

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If you're a first-time home buyer in Missouri, the state has programs to help you achieve your dream of homeownership. The Missouri Housing Development Commission, or MHDC, offers mortgage programs for first-time home buyers, with and without down payment assistance. You can qualify as a first-time buyer if you haven't owned a primary residence for three years.

The first-time home buyer requirements are waived for veterans, active-duty military and people buying homes in economically disadvantaged areas.

National first-time home buyer programs

MHDC highlights and eligibility requirements


  • Some programs offer down payment assistance.

  • Loans can be used to buy most kinds of residences.

  • Interest rates for some loan programs are below market.

  • Qualified first-time home buyers can obtain mortgage credit certificates.


  • Income and purchase price limits vary by loan program, location of the home and household size.

  • Meet minimum credit score requirements.

  • Home has to be a primary residence in Missouri.

Missouri home buyer assistance programs

Your next step

Visit the MHDC's homeownership programs page for a list of loan programs, with links to details about each.

Find a list of mortgage rates for each program, updated daily.

Then, contact a participating lender. MHDC maintains a list of certified lenders, which is available on the lender locator page.

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