Down payment assistance — educate, then verify on official sources

Missouri Housing Development Commission (MHDC) and various city/county/employer/nonprofit programs may help eligible buyers with down payment or closing-cost support. Eligibility is program-specific.

Official MHDC starting points

• MHDC First Place — review current program materials, income/purchase limits, and participation rules on the official page (figures change; we do not invent them here).
• MHDC homebuyer programs hub — browse Missouri homebuyer / assistance program overviews from the source.
• MHDC certified lenders list — confirm which lenders currently participate before you assume a product is available.

What to check on those pages (without treating blog summaries as gospel): income and purchase-price limits, first-time definitions, education requirements, and how assistance appears on a Loan Estimate. MoJo does not administer MHDC programs and does not invent eligibility, amounts, or deadlines.

How to use this education

• Read program overviews on official MHDC and local government/housing sites
• Ask a lender which programs they participate in — not every lender offers every product
• Confirm income limits, purchase-price caps, first-time definitions, and repayment/forgiveness rules
• Do not write an offer assuming assistance until a lender confirms your file

Next: MHDC & official sources and local DPA resources. MoJo can coordinate timelines once funding is real.

Roles stay clear

Related reading

• MHDC sources
• Local DPA
• Loan Estimates